Peoples State Bank of Hallettsville: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 4.2% in Q2 2026 to $2.0M, the biggest move on this page. Peoples State Bank of Hallettsville has the 6th lowest net interest margin of the 345 banks headquartered in Texas, at 2.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples State Bank of Hallettsville sits 1.61 points lower, at 2.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.31% |
| Yield on loans | 5.41% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.34% |
| Yield to cost spread | 1.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.05% | 2.14% | 2.01% | 4.64% | 2.78% |
| Q4 2023 | 4.24% | 2.43% | 1.92% | 4.72% | 2.91% |
| Q1 2024 | 4.38% | 2.53% | 1.94% | 4.78% | 3.09% |
| Q2 2024 | 4.38% | 2.63% | 1.89% | 4.97% | 3.06% |
| Q3 2024 | 4.47% | 2.63% | 1.99% | 5.13% | 3.17% |
| Q4 2024 | 4.47% | 2.49% | 2.08% | 5.24% | 3.12% |
| Q1 2025 | 4.26% | 2.42% | 2.05% | 5.10% | 3.19% |
| Q2 2025 | 4.23% | 2.41% | 2.05% | 5.22% | 3.10% |
| Q3 2025 | 4.34% | 2.39% | 2.15% | 5.34% | 3.28% |
| Q4 2025 | 4.27% | 2.30% | 2.17% | 5.39% | 3.21% |
| Q1 2026 | 4.34% | 2.20% | 2.31% | 5.31% | 3.48% |
| Q2 2026 | 4.31% | 2.16% | 2.34% | 5.41% | 3.31% |
Peoples State Bank of Hallettsville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Hallettsville, freeSource: Call Report Schedules RI and RC-K, 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)