person filling out check

Consumer Loans

Loans are subject to Credit Approval

Auto Loans

Americans have had a love affair with the automobile for generations. Makes and models come and go, but one thing never changes: the need for great auto loan rates. No matter what you have your eye on, from a shiny new sports car to an SUV, come to us first. Our auto loans are serviced right here by people you already know and our rates are competitive.

Boats, Motors, or Trailers

If buying a new boat is on your list of things to do, then visiting our loan department should be also! Our competitive rates and friendly service is a great way to begin your purchase.

Personal Loans

A new computer, living room furniture, these are just a few reasons you might need financing from us. We offer consumer loans for just about anything, all with great rates and friendly service. One of our friendly loan officers will be pleased to answer any questions that you may have.

RVs/Motor Homes

You’ve worked long and hard to make retirement the time of your life….and now you’re about ready to buy your first RV, we’d like to be there for you. Our loan rates are competitive, and our loan officers really care. Call or stop by one of our locations and speak to one of our friendly, knowledgeable loan officers. We also finance motorcycles and ATVs.


Real Estate and Mortgages

Loans are subject to Credit Approval

Construction Loan

Can’t find that dream home you are looking for….thinking of building, then we can help. We have experienced friendly officers ready to discuss your options. We can also convert that construction loan into permanent financing when the time comes. Stop by and see us.

Land/Lot Loan

Have you found that perfect piece of land to build your dream home on….we can help. We offer competitive rates on waterfront, acreage, and lots.

Home Improvement Loan

When it comes to home improvement projects, you can always expect the unexpected. If your renovations are costing more than you originally estimated, you may need financing to help see you through. We have rates and terms that will help you stay on budget.

Home Purchase

Few purchases are as exciting—or as scary—as your first home. We want to be there when you’re ready to take that big step. Our lending department is staffed by caring people who understand your needs.


Is it time to refinance your home? If you’re wondering whether today’s low rates can save you money, we can help. One of our loan officers will examine your current loan and tell you whether refinancing can lower your interest rate and monthly payments.


Lending Staff

Peoples State Bank NMLS# 394848

Peoples State Bank employs the following knowledgeable, friendly staff to assist you with all of your mortgage questions and needs:

Loans are subject to Credit Approval


Peoples State Bank

5850 Hwy 59 South
PO Box 1287
Shepherd, TX 77371
T: (936) 628-3312
F: (936) 628-6658
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15001 Hwy 150 W
Coldspring, TX 77331
T: (936) 653-5193
F: (936) 653-5196
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2700 Hwy 190 West
PO Box 1800
Livingston, TX 77351
T: (936) 967-2323
F: (936) 967-2424
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