Vitals
  • Total Assets
    121.3M 6.3 %
  • Total Deposits
    107.9M 6.8 %
  • Total Net Loans
    56.3M 0.8 %
  • Net Income
    544000.0000 -9.2 %
  • Book Value
    12.9M 1.0 %
  • Book Value x2
    25.9M 1.0 %
  • Book Value x3
    38.8M 1.0 %
ROAA

.452

ROAE

4.153

Efficiency Ratio

77.457

Net Interest Margin

4.148

Balance Sheet Highlights
Financial Highlights The Peoples State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 121,288 130,272
Total Net Loans 56,332 73,469
Total Deposits 107,900 110,656
Total Equity 12,945 13,013
Profitability
Net Income 544 3,201
Return on Average Assets .452 1.258
Return on Average Equity 4.153 12.687
Net Interest Margin 4.148 4.362
Efficiency Ratio 77.457 69.184
Noninterest Income/Revenue 12.626 17.614
Balance Sheet Ratios
Loan-to-Deposit 52.208 62.789
Securities/Assets .286 .676
Total Equity/Total Assets .107 .1
Tangible Equity/Tangible Assets .107 -.035
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 13,114 12,292
Tier 2 Capital 668 849
Total Capital 13,782 13,155
Total Risk Weighted Assets 64,778 82,054
Leverage Ratio 10.07 9.979
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 20.24 17.12
Total Capital Ratio 21.28 18.185

Timeline for The Peoples State Bank

First Financial Bank, National Association

The Peoples State Bank was acquired by First Financial Bank, National Association 19 years

View Profile Feb 01 2005

Clyde Delaware Financial Corporation

Clyde Delaware Financial Corporation became a new parent organization for The Peoples State Bank.

View Profile May 30 2003

Freedom Bank

Acquisition: The Peoples State Bank acquired a new subsidiary, Freedom Bank, 31 years

View Profile Oct 17 1992

First State Bank Of Rising Star

Acquisition: The Peoples State Bank acquired a new subsidiary, First State Bank Of Rising Star, 33 years

View Profile Sep 21 1990

Clyde Financial Corporation

Clyde Financial Corporation became a new parent organization for The Peoples State Bank.

View Profile Dec 22 1988

Want to see more?

Complete timeline for The Peoples State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Financial Bank, National Association Buyer 6,660,673 Acquisition Discontinued 2/1/2005
Freedom Bank Seller 20,888 Discontinued 10/17/1992
First State Bank Of Rising Star Seller 13,983 Failure 9/21/1990
The Moran National Bank Seller 17,204 Failure 1/15/1988
Relationships Role Relationship Start Relationship End
Clyde Delaware Financial Corporation Parent 5/30/2003 1/31/2005
Clyde Financial Corporation Parent 12/22/1988 5/29/2003
Clyde Investment Company Subsidary 8/4/1987 1/31/2005
Clyde Investment Company Subsidary 6/1/1987 8/3/1987
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