Transpecos Banks, SSB
Pecos, TX · Cert 11178 · Peer group: banks under $1B in assets in TX (n=208-211) · Transpecos Financial Corp.
SI · FDIC · 4 branches
Q2 2026
$972.1MAssets
$659.3MLoans
$872.0MDeposits
$65.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 65% of banks under $1B in assets in TX (rank 74 of 208).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in TX (rank 207 of 208).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-1.60%
Rank 208 of 211
Net Interest Margin
2.68%
Rank 194 of 211
Efficiency Ratio
146.40%
Rank 209 of 211
Equity / Assets
6.71%
Rank 202 of 211
Non-interest income vs. expense
Unfavorable gap of $41.0M · efficiency ratio beats 1% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.60% | 0.87% | 1.20% | 1.65% | Beats 1% | 208 / 211 | | |
| Return on Equity | -23.84% | 7.52% | 11.67% | 14.58% | Beats 1% | 209 / 211 | | |
| Net Interest Margin | 2.68% | 3.28% | 3.82% | 4.31% | Beats 8% | 194 / 211 | | |
| Efficiency Ratio | 146.40% | 53.01% | 64.18% | 73.65% | Beats 1% | 209 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.95% | 0.01% | 0.30% | 1.10% | Beats 1% | 207 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 65% | 74 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 9.49% | 11.72% | 14.45% | 19.57% | Beats 4% | 202 / 211 | | |
| Total Risk-Based Capital Ratio | 10.45% | 11.94% | 14.78% | 20.30% | Beats 10% | 189 / 211 | | |
| Equity / Assets | 6.71% | 9.41% | 11.06% | 12.94% | Beats 4% | 202 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.61% | 45.39% | 66.56% | 82.03% | 65th pctl | 73 / 208 | | |
| Loans / Assets | 67.83% | 39.13% | 56.90% | 70.46% | 70th pctl | 64 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |