Peoples State Bank
Shepherd, TX
IDRSSD: 586960
Total Assets
$187.41M
Latest filing
Total Deposits
$162.85M
Latest filing
Net Interest Margin
4.48%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
113120291SHEPHERD, TX113126266SHEPHERD, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples State Bank
5850 Highway 59 S
Shepherd, TX 77371
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/21/1921FDIC Certificate 6624
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peoples State Bank (Main) | 5850 Highway 59 S | Shepherd, TX |
| COLDSPRING BRANCH | 15001 Highway 150 West | Coldspring, TX |
| LIVINGSTON BRANCH | 2700 Us Highway 190 W | Livingston, TX |
Showing 2 of 2
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 | 09/21/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77371 |
| State and County Number | 48407 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.psbtexas.com |
| Data Updated | 01/30/2026 |
| CERT | 10345 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $187.41M |
| Total Deposits | $162.85M |
| Total Liabilities | $172.33M |
| Total Equity Capital | $15.08M |
| Net Income | $694.00k |
| Net Loans and Leases | $96.06M |
| Assets Per Employee ($Millions) | $5.51M |
| Bank Premises and Fixed Assets | $2.35M |
| Cash and Balances due from Depository Institutions | $17.22M |
| Deposits Held in Domestic Offices | $162.85M |
Key Performance Ratios
| Return on Assets (ROA) | 1.53% |
| Return on Equity (ROE) | 18.99% |
| Net Interest Margin | 4.48% |
| Efficiency Ratio | 64.42% |
| Tier 1 Risk-Based Capital Ratio | 18.208% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.045% |
| Earning Assets to total Assets | 92.62% |
Income and Expense
| Total Interest Income | $2.44M |
| Total Noninterest Income | $300.00k |
| Total Interest Expense | $560.00k |
| Total Noninterest Expense | $1.41M |
| Net Interest Income | $1.88M |
| Pre-tax Net Operating Income | $754.00k |
| Provision for Credit Losses | $23.00k |
| 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 | $9.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $487.00k |
| Total Liabilities and Capital | $187.41M |
Securities
| Securities | $64.76M |
| Available-for-sale debt securities | $64.76M |
| 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 Peoples State Bank?
$187.41M as of the latest filing.
How much are Peoples State Bank's total deposits?
$162.85M in total deposits.
Where is Peoples State Bank located?
Shepherd, TX.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
3.
When was it established?
09/21/1921.
What is the Return on Assets (ROA)?
1.53%.
How much are total loans and leases?
$96.06M (latest filing).
What is the total interest income (latest filing)?
$2.44M.