Peoples State Bank of Hallettsville: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of Hallettsville of Hallettsville, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.34% | -0.35% | 32nd below |
| ROAE | 11.87% | 13.31% | -1.44% | 47th below |
| Net Interest Margin | 2.34% | 3.93% | -1.59% | 2nd bottom |
| Efficiency Ratio | 46.91% | 61.14% | -14.23% | 87th top |
| PPNR / Avg Assets | 1.13% | 1.68% | -0.55% | 26th below |
| Yield on Earning Assets | 4.31% | 5.67% | -1.36% | 5th bottom |
| Cost of Funds | 2.16% | 1.88% | +0.28% | 28th below |
| Net Interest Spread | 1.70% | 3.32% | -1.62% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.94% | -0.76% | 65th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 419.59% | 1539.14% | -1119.55% | 67th above |
| Texas Ratio | 0.81% | 7.33% | -6.52% | 75th top |
| Provision / NCO | 0.00% | 1396.30% | -1396.30% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.11% | 12.14% | -2.03% | 34th below |
| Equity / Assets | 8.72% | 11.38% | -2.66% | 23rd bottom |
| TCE / Tangible Assets | 8.72% | 11.09% | -2.37% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.39% | 80.65% | -35.26% | 94th top |
| Core Deposit Ratio | 80.57% | 86.86% | -6.29% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.81% | 6.85% | -0.04% | 68th above |
| Loan Growth (Y/Y) | 10.78% | 7.90% | +2.88% | 76th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.97% | 6.29% | -0.32% | 64th above |
See Peoples State Bank of Hallettsville's peers by name
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Unlock Peoples State Bank of Hallettsville, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples State Bank of Hallettsville profile, how to read a UBPR, or how this data updates.