Peoples State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 29.3 and a capital leverage ratio of 11.0. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.7) profitability. Good liquidity 5.1, driven by a liquidity ratio of 45.9 percent and a “hot money” ratio of 15.2 percent.
Asset Mix:
Securities (57%), home mtgs (9%), cash (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
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Address
101 West Main Street
Rocksprings, TX 78880
Rocksprings, TX 78880
Phone Number
(830) 683-2119
Year Founded
1943
FDIC Number
Website
Largest Affiliates
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