Peoples State Bank of Hallettsville: how it compares with its peers
Against 142 TX banks with half to twice its assets, Peoples State Bank of Hallettsville's strongest measure in Q2 2026 is assets per employee ($18.0M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (2.28% vs. 4.19%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.45% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.28% | 4.19% | Bottom third Ahead of 1% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.03% | 61.04% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.0M | $7.2M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.05% | 72.36% | Context |
What it means for lending operations
Its efficiency ratio of 51.03% is better than the 61.04% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Austin Capital Bank SSB Austin, TX · $395M
- The First National Bank of Stanton Stanton, TX · $395M
- TrustTexas Bank, SSB Cuero, TX · $393M
- Farmers State Bank Center, TX · $391M
- Lakeside Bank Rockwall, TX · $389M
- The MINT National Bank Kingwood, TX · $389M
Questions about Peoples State Bank of Hallettsville
How big is Peoples State Bank of Hallettsville?
Peoples State Bank of Hallettsville, established in 1929, is headquartered in Hallettsville, TX. It reported $396M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Peoples State Bank of Hallettsville's return on assets?
0.98% annualized in Q2 2026, against a 1.45% median for 142 TX banks with half to twice its assets, ahead of 23% of them.
What is Peoples State Bank of Hallettsville's efficiency ratio?
51.03% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is Peoples State Bank of Hallettsville growing its loans?
Net loans grew 10.9% over the year to Q2 2026, while deposits grew 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.