Peoples State Bank
Major Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 27.4 and a capital leverage ratio of 10.3.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.4) profitability. Good liquidity 5.3, driven by a liquidity ratio of 47.9 percent and a “hot money” ratio of 12.2 percent.
Asset Mix:
Securities (55%), cash (13%), home mtgs (9%), comm re (4%), consumer loans (2%), comm loans (1%), other (17%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
101 West Main Street
Rocksprings, TX 78880
Rocksprings, TX 78880
Phone Number
(830) 683-2119
Year Founded
1943
FDIC Number
Website
Largest Affiliates
No affiliate information available.