BlastPoint's Banking Scorecard
Peoples State Bank of Hallettsville
Micro
Specialty: Agricultural
TX
FDIC cert 10719
Designations: ✓ Community bank
Hallettsville, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Peoples State Bank of Hallettsville faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.79% below tier
- - Loan-to-Deposit Ratio 33.27% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$396.2M
+3.6% YoY
+2.8% QoQ
|
+$178.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$149.3M
+4.0% YoY
+0.7% QoQ
|
+$10.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$361.9M
+2.3% YoY
+3.0% QoQ
|
+$178.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.70%
+8.1% YoY
-5.9% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
2.06%
+12.2% YoY
+0.9% QoQ
|
-1.79% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
58.60%
-5.4% YoY
+0.6% QoQ
|
-9.13% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.03%
-1.9% YoY
-12.5% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
41.26%
+1.6% YoY
-2.3% QoQ
|
-33.27% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.90%
+7.7% YoY
+1.6% QoQ
|
-4.49% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.01%
-1.6% YoY
-14.2% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.07%
-6.2% YoY
+30.2% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.06%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
41.26%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Deposits
Current: $361.9M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $396.2M · Tier avg: $217.5M
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
71
71th pctile
Efficiency Ratio
Current: 58.60% · Tier avg: 67.73%
60
60th pctile
Total Loans
Current: $149.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.90% · Tier avg: 22.39%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.26% · Tier avg: 74.53%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
2
2th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.85%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.26% · Tier avg: 74.53%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.90% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Total Loans
Current: $149.3M · Tier avg: $139.2M
71
71th pctile
Efficiency Ratio
Current: 58.60% · Tier avg: 67.73%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
88
88th pctile
Total Assets
Current: $396.2M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $361.9M · Tier avg: $183.7M