Bank · FDIC insured
Plains State Bank
A $828.4M bank headquartered in Humble, TX, with 6 branches in Texas. Best rates: CDs 3.82% and savings 0.85% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.82%CD rates →
- Savings820.85%at $10,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Plains State Bank
Plains State Bank was founded in April 1957 and operates as a locally owned community bank in Texas.
Originally serving Yoakum County, the bank has expanded throughout Texas with a focus on small business and commercial lending in the Houston area.
- Headquarters
- 19404 Kenswick Dr, Humble, TX 77338
- FDIC certificate
- 17739 ↗
Branches
6 branches in Texas
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Texas
6 branches
Houston area · 5
- Plains State BankMain office19404 Kenswick Dr, Humble, TX 77338Directions
- Conroe Branch5452 Highway 105 W Ste 100, Conroe, TX 77304Directions
- Houston Branch3355 W Alabama St, Houston, TX 77098Directions
- Plains State Bank Branch3902 Fm 1960 Rd W, Houston, TX 77068Directions
- Sugarland Branch13885 Southwest Fwy, Sugar Land, TX 77478Directions
Plains area · 1
- Plains Branch601 Ninth St, Plains, TX 79355Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 16.47% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 4.41% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.64% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio16.47%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent4.41%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.64%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Plains State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.