Pearland State Bank
Pearland, TX
IDRSSD: 723868
Total Assets
$188.94M
Latest filing
Total Deposits
$177.86M
Latest filing
Net Interest Margin
2.20%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/06/1960 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77581 |
| State and County Number | 48039 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Houston-The Woodlands-Sugar Land, TX |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/21/2025 |
| Date of Deposit Insurance | 01/06/1960 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 18132 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $188.94M |
| Total Deposits | $177.86M |
| Total Liabilities | $178.56M |
| Total Equity Capital | $10.38M |
| Net Income | $42.00k |
| Net Loans and Leases | $45.45M |
| Assets Per Employee ($Millions) | $8.21M |
| Bank Premises and Fixed Assets | $288.00k |
| Cash and Balances due from Depository Institutions | $31.32M |
| Deposits Held in Domestic Offices | $177.86M |
Key Performance Ratios
| Return on Assets (ROA) | 0.09% |
| Return on Equity (ROE) | 1.38% |
| Net Interest Margin | 2.2% |
| Efficiency Ratio | 100.98% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.493% |
| Earning Assets to total Assets | 98.48% |
Income and Expense
| Total Interest Income | $1.68M |
| Total Noninterest Income | $199.00k |
| Total Interest Expense | $651.00k |
| Total Noninterest Expense | $1.24M |
| Net Interest Income | $1.02M |
| Pre-tax Net Operating Income | $42.00k |
| Provision for Credit Losses | $-54,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $700.00k |
| Total Liabilities and Capital | $188.94M |
Securities
| Securities | $110.43M |
| Available-for-sale debt securities | $110.43M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pearland State Bank?
$188.94M as of the latest filing.
How much are Pearland State Bank's total deposits?
$177.86M in total deposits.
Where is Pearland State Bank located?
Pearland, TX.
What is the Net Interest Margin?
2.20%.
How many domestic offices does it operate?
1.
When was it established?
01/06/1960.
What is the Return on Assets (ROA)?
0.09%.
How much are total loans and leases?
$45.45M (latest filing).
What is the total interest income (latest filing)?
$1.68M.