| Weiss Ratings |
Peoples State Bank
Shepherd, TX |
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| Rating | ||||
| Asset Quality Index | 5.00 | |||
| Capitalization Index | 9.50 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 6.10 | |||
| Stability Index | 5.10 | |||
| Company Info |
Peoples State Bank
Shepherd, TX |
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| FDIC Number | 10345 | |||
| Phone Number | (936) 628-3312 | |||
| Website | www.psbtexas.com | |||
| Asset Quality |
Peoples State Bank
Shepherd, TX |
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| 1-Year Asset Growth | 3.41% | |||
| 5-Year Asset Growth | 5.81% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 1.74% | |||
| Non-Performing Loans to Capital | 10.48% | |||
| Non-Performing Loans to Loans | 3.09% | |||
| Balance Sheet |
Peoples State Bank
Shepherd, TX |
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| Total Assets | 181.20M | |||
| Total Deposits | 149.75M | |||
| Capital and Reserves |
Peoples State Bank
Shepherd, TX |
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| Capital | 15.88M | |||
| Leverage Ratio | 10.66 | |||
| Loan Loss Reserves to Loans | 1.01% | |||
| Risk-Based Capital Ratio | 19.65 | |||
| Liquidity |
Peoples State Bank
Shepherd, TX |
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| Hot Money Ratio | 15.34% | |||
| Liquidity Ratio | 21.85% | |||
| Profitability |
Peoples State Bank
Shepherd, TX |
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| 5-Year Return on Average Assets | 1.03% | |||
| Net Income | 1.25M | |||
| Net Interest Spread | 4.22% | |||
| Operating Profit to Average Assets | 1.64% | |||
| Overhead Efficiency Ratio | 63.93% | |||
| Return on Assets | 1.33% | |||
| Return on Equity | 16.10% | |||