Peoples State Bank of Hallettsville: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.63 percentage points lower than in Q1 2026, at 13.44%. Within Texas, Peoples State Bank of Hallettsville is 285th of 346 on loan-to-deposit ratio, 45.39% as of Q2 2026, below the middle of the field. Peoples State Bank of Hallettsville reported 45.39% on loan-to-deposit ratio for Q2 2026, 35.45 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $163.0M |
| Net loans and leases | $161.8M |
| Loans held for sale | $0 |
| Loans to total assets | 41.20% |
| Loan-to-deposit ratio | 45.39% |
| Net loans to equity capital | 4.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.06% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.98% |
| Consumer | 3.14% |
| Credit cards | 0.00% |
| Farm | 19.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.44% |
| Construction concentration (Tier 1 capital + allowance) | 7.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.41% |
| Interest income on loans | $2.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $134.5M | $327.9M | 5.28% | 1.79% | 3.39% |
| Q4 2023 | $134.7M | $345.2M | 5.23% | 1.77% | 3.26% |
| Q1 2024 | $135.1M | $348.2M | 5.07% | 1.89% | 3.34% |
| Q2 2024 | $137.7M | $330.3M | 4.26% | 2.23% | 3.26% |
| Q3 2024 | $141.1M | $347.9M | 4.16% | 2.26% | 3.26% |
| Q4 2024 | $144.8M | $353.6M | 4.05% | 2.25% | 3.23% |
| Q1 2025 | $146.5M | $340.8M | 4.60% | 2.33% | 3.36% |
| Q2 2025 | $147.1M | $338.9M | 4.61% | 2.43% | 3.43% |
| Q3 2025 | $149.5M | $351.3M | 4.51% | 2.49% | 3.29% |
| Q4 2025 | $150.5M | $361.9M | 4.56% | 2.43% | 3.26% |
| Q1 2026 | $160.9M | $372.8M | 4.22% | 2.18% | 3.16% |
| Q2 2026 | $163.0M | $359.1M | 4.06% | 1.98% | 3.14% |
Peoples State Bank of Hallettsville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Hallettsville, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples State Bank of Hallettsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10719) · FFIEC NIC profile (RSSD 530851)