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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

$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

4.03%Q2 ’244.07%Q2 ’254.11%Q2 ’26+14%+14%

Non-interest income vs. expense

1.13%Q2 ’241.20%Q2 ’251.12%Q2 ’26+7%-7%

Executive Summary

  • Earnings: ROA of 0.99%, up 28 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 (quarter, annualized)

0.99%+28 bps YoY

Net Interest Margin (quarter, annualized)

2.17%+26 bps YoY

Efficiency Ratio (quarter, annualized)

49.76%-1,049 bps YoY

Tier 1 Leverage Ratio

10.11%-25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.75%0.57%0.95%0.99%+28 bps
Return on Equity9.01%9.07%6.89%11.62%11.87%+286 bps
Net Interest Margin1.91%2.00%2.03%2.14%2.17%+26 bps
Efficiency Ratio60.24%57.37%59.63%52.32%49.76%-1,049 bps
Non-Interest Burden1.12%1.12%1.18%1.09%1.04%-8 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%-0.01%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