BlastPoint's Banking Scorecard

Peoples State Bank of Hallettsville

$100M-$1B Specialty: Agricultural TX FDIC cert 10719

Hallettsville, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +6.0% year over year ($359.1M on the books).
Delinquency rate 0.18%.
Return on assets 0.98%.
Efficiency ratio 51.03% vs a 64.48% peer average.
Loan-to-deposit ratio 45.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Peoples State Bank of Hallettsville has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 13.44% below tier average
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.5% in tier
- Net Interest Margin 1.71% below tier average
- Non-Interest Income / Assets 0.53% below tier average
- ROA 0.35% below tier average

Get updates when Peoples State Bank of Hallettsville releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$395.6M +6.8% YoY -2.9% QoQ	+$9.1M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$161.8M +10.9% YoY +1.3% QoQ	-$96.6M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$359.1M +6.0% YoY -3.7% QoQ	+$32.3M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	0.98% +31.3% YoY +3.0% QoQ	-0.35%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	2.28% +12.5% YoY +0.2% QoQ	-1.71%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 1.7% in tier
Efficiency Ratio ?	51.03% -13.0% YoY -2.5% QoQ	-13.44%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.18% +352.6% YoY +13.5% QoQ	-0.74%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	45.05% +4.6% YoY +5.2% QoQ	-32.90%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 6.1% in tier
Non-Interest-Bearing Deposit Share ?	17.81% +9.2% YoY +2.6% QoQ	-4.22%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.07% +369.7% YoY +18.5% QoQ	-0.60%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	10.11% -2.4% YoY +4.1% QoQ	-5.80%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 12.2% in tier
Non-Interest Income / Assets ?	0.04% +0.7% YoY +128.5% QoQ	-0.53%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 3.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	17.8% +1.5pp YoY +0.5pp QoQ	-4.3pp	22.1%	29.2%	22.2%	35%
Brokered Deposits	2.4% 0.0pp YoY 0.0pp QoQ	-5.4pp	7.9%	8.0%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	2.0% -0.5pp YoY -0.2pp QoQ	-9.6pp	11.6%	14.8%	12.5%	6%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	47.2% +1.4pp YoY +1.6pp QoQ	+14.6pp	32.6%	25.8%	31.3%	79%
Consumer	3.2% -0.3pp YoY 0.0pp QoQ	-0.9pp	4.1%	4.7%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	10.1% -0.2pp YoY +0.4pp QoQ	-2.1pp	12.2%	12.6%	12.6%	34%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	22 -1 (-4.3%) YoY 0 QoQ	-37	58	186	482	14%
Assets per Employee ($)	$18.0M +11.7% YoY -2.9% QoQ	+$10.5M	$7.5M	$10.1M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	28%
Allowance Coverage	4.20x -80.0% YoY -13.1% QoQ	-19.96x	24.15x	18.82x	20.23x	66%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	31%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	11.7% +2.0pp YoY +0.1pp QoQ	-0.5pp	12.2%	13.2%	11.6%	48%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	75%
Net Income ($, YTD)	$1.9M +40.0% YoY — QoQ	-$606K	$2.6M	$15.9M	$40.4M	51%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#284 of 1256 • Bottom 22.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.18%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

161

Loan-to-Deposit Ratio

liquidity

Value: 45.05%

Peer Median: 77.95%

#161 of 2643 Top 6.1% in $100M-$1B

502

Efficiency Ratio

profitability

Value: 51.03%

Peer Median: 64.48%

#502 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (3 metrics)

2600

Net Interest Margin

profitability

Value: 2.28%

Peer Median: 3.99%

#2600 of 2643 Bottom 1.7% in $100M-$1B

2559

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2559 of 2643 Bottom 3.2% in $100M-$1B

2321

Tier 1 Capital Ratio

capital

Value: 10.11%

Peer Median: 15.91%

#2321 of 2643 Bottom 12.2% in $100M-$1B