Peoples State Bank of Hallettsville: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 63.42 percentage points lower than in Q1 2026, at 419.59%. Peoples State Bank of Hallettsville ranks 269th of 345 Texas banks on return on assets, in the lower half at 0.99% (Q2 2026). Peoples State Bank of Hallettsville reported 0.99% on return on assets for Q2 2026, 0.27 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.11% |
| Equity capital to assets | 8.72% |
| Tangible equity to tangible assets | 8.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.81% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 419.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 11.87% |
| Net interest margin | 2.34% |
| Efficiency ratio | 46.91% |
| Yield on earning assets | 4.31% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.39% |
| Core deposits to total deposits | 80.57% |
| Brokered deposits to total deposits | 2.41% |
| Deposits to assets | 90.76% |
| Securities to assets | 34.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.85% | 0.64% | 2.01% | 0.05% | 0.12% |
| Q4 2023 | 9.40% | 0.59% | 1.92% | 0.04% | -0.00% |
| Q1 2024 | 9.45% | 0.65% | 1.94% | 0.04% | -0.03% |
| Q2 2024 | 9.99% | 0.57% | 1.89% | 0.04% | -0.01% |
| Q3 2024 | 10.32% | 0.62% | 1.99% | 0.04% | -0.01% |
| Q4 2024 | 9.75% | 0.71% | 2.08% | 0.04% | -0.01% |
| Q1 2025 | 10.01% | 0.76% | 2.05% | 0.04% | 0.00% |
| Q2 2025 | 10.36% | 0.70% | 2.05% | 0.04% | 0.01% |
| Q3 2025 | 10.43% | 0.73% | 2.15% | 0.04% | -0.01% |
| Q4 2025 | 9.89% | 0.57% | 2.17% | 0.03% | -0.00% |
| Q1 2026 | 9.71% | 0.92% | 2.31% | 0.16% | 0.00% |
| Q2 2026 | 10.11% | 0.99% | 2.34% | 0.18% | 0.00% |
Peoples State Bank of Hallettsville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Hallettsville, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)