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
Unfavorable gap of $4.4M · efficiency ratio beats 80% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.87% | 1.20% | 1.65% | Beats 34% | 139 / 211 | |
| Return on Equity | 11.30% | 7.52% | 11.67% | 14.58% | Beats 47% | 111 / 211 | |
| Net Interest Margin | 2.17% | 3.28% | 3.82% | 4.31% | Beats 1% | 208 / 211 | |
| Efficiency Ratio | 51.03% | 53.01% | 64.18% | 73.65% | Beats 80% | 43 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.01% | 0.30% | 1.10% | Beats 57% | 90 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 78% | 50 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 10.11% | 11.72% | 14.45% | 19.57% | Beats 10% | 189 / 211 | |
| Total Risk-Based Capital Ratio | 10.11% | 11.94% | 14.78% | 20.30% | Beats 9% | 192 / 211 | |
| Equity / Assets | 8.72% | 9.41% | 11.06% | 12.94% | Beats 13% | 183 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 45.39% | 45.39% | 66.56% | 82.03% | 25th pctl | 156 / 208 | |
| Loans / Assets | 41.20% | 39.13% | 56.90% | 70.46% | 27th pctl | 155 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |