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Peoples State Bank of Hallettsville

Hallettsville, TX · Cert 10719 · Bozka Investments Ltd.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples State Bank of Hallettsville

Hallettsville, TX · Cert 10719 · Bozka Investments Ltd.

State charter, non-member · FDIC · 1 branch

Q2 2026

$395.6MAssets
$163.0MLoans
$359.1MDeposits
$34.5MEquity
Loan mix
93%RE $114.3M3%C&I $3.5M4%Consumer $5.1MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $295.1M18%Noninterest $64.0MQ2 2025Q2 2026

NIM

4.13%Q2 ’244.14%Q2 ’254.16%Q2 ’26+11%+12%

Non-interest income vs. expense

1.14%Q2 ’241.18%Q2 ’251.14%Q2 ’26+4%-3%

Executive Summary

  • Earnings: ROA of 0.98%, up 23 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.18% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.11%, down 25 bps from a year ago.
  • Funding: loans stand at 45.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+23 bps YoY

Efficiency Ratio (YTD, annualized)

51.03%-764 bps YoY

Tier 1 Leverage Ratio

10.11%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.74%0.70%0.95%0.98%+23 bps
Return on Equity9.68%9.43%8.78%11.62%11.70%+202 bps
Net Interest Margin1.94%1.95%1.92%2.14%2.17%+23 bps
Efficiency Ratio58.68%58.23%58.60%52.32%51.03%-764 bps
Non-Interest Burden1.11%1.10%1.10%1.09%1.07%-4 bps
Growth
Asset Growth (YoY)2.96%1.33%3.58%9.70%6.81%+385 bps
Loan Growth (YoY)6.87%6.00%3.94%9.84%10.78%+391 bps
Deposit Growth (YoY)2.59%1.00%2.34%9.38%5.97%+338 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.03%0.16%0.18%+14 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans0.83%0.82%0.81%0.76%0.75%-8 bps
Allowance Coverage of NPLs21.0x20.7x23.5x4.8x4.2x-16.8x
Capital
Tier 1 Leverage Ratio10.36%10.43%9.89%9.71%10.11%-25 bps
Total Risk-Based Capital10.36%10.43%9.89%9.71%10.11%-25 bps
Equity / Assets8.03%8.38%8.25%8.04%8.72%+69 bps
Liquidity & Funding
Loans / Deposits43.42%42.56%41.60%43.16%45.39%+197 bps
Liquid Assets / Assets20.94%21.44%24.33%24.97%21.51%+56 bps
CRE / Total Capitaln/a33.15%34.95%32.01%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples State Bank of Hallettsville

Hallettsville, TX · Cert 10719 · Peer group: banks under $1B in assets in TX (n=208-211) · Bozka Investments Ltd.

State charter, non-member · FDIC · 1 branch

Q2 2026

$395.6MAssets
$163.0MLoans
$359.1MDeposits
$34.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets in TX (rank 43 of 211).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets in TX (rank 208 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.99%

Rank 139 of 211

Net Interest Margin

2.17%

Rank 208 of 211

Efficiency Ratio

51.03%

Rank 43 of 211

Equity / Assets

8.72%

Rank 183 of 211

Non-interest income vs. expense

$0.3M$4.6MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 80% of banks under $1B in assets in TX
Bank 51.03%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.87%1.20%1.65%Beats 34%139 / 211
Return on Equity11.30%7.52%11.67%14.58%Beats 47%111 / 211
Net Interest Margin2.17%3.28%3.82%4.31%Beats 1%208 / 211
Efficiency Ratio51.03%53.01%64.18%73.65%Beats 80%43 / 211
Asset Quality
Nonperforming Loans / Loans0.18%0.01%0.30%1.10%Beats 57%90 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 78%50 / 208
Capital
Tier 1 Capital Ratio10.11%11.72%14.45%19.57%Beats 10%189 / 211
Total Risk-Based Capital Ratio10.11%11.94%14.78%20.30%Beats 9%192 / 211
Equity / Assets8.72%9.41%11.06%12.94%Beats 13%183 / 211
Liquidity & Funding
Loans / Deposits45.39%45.39%66.56%82.03%25th pctl156 / 208
Loans / Assets41.20%39.13%56.90%70.46%27th pctl155 / 211
Brokered Deposits / Depositsn/aNot reported for this institution