Total Assets
$396M
Total balance-sheet footings
FDIC Cert #10719 · Hallettsville, Texas · Est. 1929
Peoples State Bank of Hallettsville - FDIC Bank Health Profile
A community-scale look at Peoples State Bank of Hallettsville's own numbers, pulled straight from its quarterly FDIC Call Report.
- $396M
- Total assets
- C
- Health grade · Fair
- 0.70%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples State Bank of Hallettsville earns a PlainBankData health grade of C (64/100), with 9.89% Tier 1 capital, 0.70% ROA, efficient (59% cost ratio).
- #2,093
- largest of 4,313 FDIC banks by assets
- 51st
- percentile by asset size, nationally
- 9.89%
- Tier 1 ratio - below the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Peoples State Bank of Hallettsville's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Peoples State Bank of Hallettsville's composite health score
Tier 1 Capital Ratio (9.89%) 18/40
Return on Assets (ROA) (0.70%) 14/25
Texas Ratio (0.15%) 20/20
Efficiency Ratio (58.60%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$362M
Customer-funded liabilities
Net Loans
$149M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples State Bank of Hallettsville ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples State Bank of Hallettsville's score of 64/100 falls in the highlighted band.
Peoples State Bank of Hallettsville's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples State Bank of Hallettsville's $396M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.89% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.89%
Texas Ratio
0.15%
Equity Capital
$33M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.70%
Return on Equity (ROE)
8.78%
Efficiency Ratio
58.60%
What the numbers say about Peoples State Bank of Hallettsville
Peoples State Bank of Hallettsville is an FDIC-insured institution (Certificate #10719) headquartered in Hallettsville, Texas, established in 1929. It holds $396M in total assets - 2,093rd of 4,313 FDIC-insured banks, $362M in customer deposits, and $149M in net loans. Capital-wise, the Tier 1 ratio sits at 9.89%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 0.15%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (64 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Peoples State Bank of Hallettsville sits 183rd of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$16M
Interest Income
$269K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples State Bank of Hallettsville reports a Texas Ratio of 0.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples State Bank of Hallettsville (FDIC Cert #10719) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Peoples State Bank of Hallettsville's health grade?▼
Peoples State Bank of Hallettsville receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Peoples State Bank of Hallettsville?▼
Peoples State Bank of Hallettsville holds $396M in total assets and $362M in deposits, ranking 2,093rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Hallettsville, Texas.
Is my money safe at Peoples State Bank of Hallettsville?▼
Yes, deposits at Peoples State Bank of Hallettsville (Certificate #10719) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples State Bank of Hallettsville's Tier 1 Capital Ratio?▼
Peoples State Bank of Hallettsville has a Tier 1 Capital Ratio of 9.89%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Peoples State Bank of Hallettsville?▼
Peoples State Bank of Hallettsville has a Texas Ratio of 0.15%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Peoples State Bank of Hallettsville?▼
Peoples State Bank of Hallettsville has an Efficiency Ratio of 58.60%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Peoples State Bank of Hallettsville's profile as a depositor or analyst.
- Peoples State Bank of Hallettsville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples State Bank of Hallettsville against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.