Peoples State Bank
Rocksprings, Texas, Edwards County
$140M in total assets, the 3,427th largest of 4,309 US banks and 290th of 352 headquartered in Texas.
- FDIC certificate
- 15939
- Established
- 1943
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- www.psbrocksprings.com
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $140M | 9% | $336M | |
| Loans | $45M | 6% | $191M | |
| Deposits | $126M | 11% | $289M | |
| Return on assets | 1.77% | 72% | 1.45% | |
| Net interest margin | 3.03% | 9% | 4.20% | |
| Efficiency ratio | 39.4% | 6% | 61.7% | |
| Equity to assets | 9.41% | 28% | 10.94% | |
| Loans to deposits | 36% | 8% | 73% |
Growth
Total assets grew 6.8% a year over the last 5 years and 6.7% a year over 10 years, without acquisitions.
Where they operate
2 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Edwards County, TX | $118M | 100.0% | 1 of 1 |
| Kerr County, TX | $9M | 0.5% | 14 of 15 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (1 to 2, +100.0%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2022 | Opened Center Point | 1 | 0 | +1 | 2 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 43% | 7% | |
| 1-4 family residential | 29% | 27% | |
| Commercial real estate | 14% | 28% | |
| Consumer | 5% | 5% | |
| Business (C&I) | 4% | 14% | |
| Agricultural | 1% | 5% | |
| Construction and land | 1% | 11% | |
| Multifamily | 0% | 2% | |
| Other | 4% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 41% | 30% | |
| Other interest-bearing | 41% | 41% | |
| Time deposits | 18% | 29% |
Brokered deposits are 0.0% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.10% | 0.32% |
| Net charge-offs, annualized | 0.04% | 0.01% |
| Reserves to loans | 0.35% | 1.23% |
| Leverage ratio | 11.02% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/peoples-state-bank-rocksprings-tx