This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Shepherd, TX
Health score
84.6
Total assets
$181.2M
Bank
Crawford, TX
Health score
77.5
Total assets
$175.9M
Answer first
Peoples State Bank leads on financial health and profitability and lending quality; Security Bank of Texas leads on capitalization and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Peoples State Bank
Higher TFS health score
Capitalization
Security Bank of Texas
Higher comparable capital ratio
Profitability
Peoples State Bank
Higher return on assets
Lending quality
Peoples State Bank
Lower problem-loan measure
Growth
Security Bank of Texas
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Peoples State Bank | Security Bank of Texas |
|---|---|---|
| TFS health score | 84.6/100Leads | 77.5/100 |
| Total assets | $181.2M | $175.9M |
| Total deposits / shares | $149.7M | $152.6M |
| Tier 1 capital ratio | 10.66% | 12.00%Leads |
| Return on assets | 1.36%Leads | 1.00% |
| Return on equity | 16.12%Leads |
Peoples State Bank
3 branches
Security Bank of Texas
4 branches
Both institutions report branches in 1 state: TX.
Peoples State Bank
Unavailable
Security Bank of Texas
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Peoples State Bank
0 in TFS registry
Security Bank of Texas
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Peoples State Bank score | Peoples State Bank ROA | Security Bank of Texas score | Security Bank of Texas ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.16% | — | 1.26% |
| 2024-Q4 | — | 1.11% | — | 1.28% |
| 2025-Q1 | — | 1.22% | — | 1.39% |
| 2025-Q2 | — | 1.12% | — | 1.29% |
| 2025-Q3 | — | 0.84% | — | 1.25% |
| 2025-Q4 | — | 1.01% | — | 1.18% |
| 2026-Q1 | 82.3/100 | 1.40% |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 8.24% |
| Non-performing loans | 1.25%Leads | 1.75% |
| Net charge-offs | 0.00%Leads | 0.16% |
| Efficiency ratio | 63.93%Leads | 71.53% |
| Loan-to-deposit ratio | 67.37% | 81.06% |
| Asset growth (YoY) | 3.41% | 19.77%Leads |
| Deposit / share growth (YoY) | -0.73% | 21.36%Leads |
| Branches | 3 | 4 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 71.1/100 |
| 0.85% |
| 2026-Q2 | 84.6/100 | 1.36% | 77.5/100 | 1.00% |