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Transpecos Banks, SSB

Pecos, TX · Cert 11178 · Transpecos Financial Corp.

SI · FDIC · 4 branches

Q2 2026

$972.1MAssets
$659.3MLoans
$872.0MDeposits
$65.3MEquity
Loan mix
34%RE $193.8M57%C&I $325.0M9%Consumer $53.8MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $684.1M22%Noninterest $187.9MQ2 2025Q2 2026

NIM

6.72%Q2 ’245.76%Q2 ’255.04%Q2 ’26-14%+3%

Non-interest income vs. expense

3.93%Q2 ’245.36%Q2 ’254.73%Q2 ’26+236%-8%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #66 of 66 inst. · $0.0B of $175.0B

53.3% Reeves
19.4% Brewster
0.0% Bexar

Executive Summary

  • Earnings: ROA of -1.55%, down 213 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 4.95% of loans (+86 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 6.67%, down 278 bps from a year ago.
  • Funding: loans stand at 75.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.55%-213 bps YoY

Net Interest Margin (quarter, annualized)

2.76%+7 bps YoY

Efficiency Ratio (quarter, annualized)

144.96%-889 bps YoY

Tier 1 Leverage Ratio

6.67%-278 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%-0.49%0.12%-1.55%-1.55%-213 bps
Return on Equity7.05%-5.96%1.52%-21.96%-23.33%-3,037 bps
Net Interest Margin2.70%3.11%3.19%2.85%2.76%+7 bps
Efficiency Ratio153.85%114.89%85.53%147.84%144.96%-889 bps
Non-Interest Burden4.57%3.77%2.47%4.57%4.22%-34 bps
Growth
Asset Growth (YoY)3.05%4.48%12.55%19.92%12.65%+961 bps
Loan Growth (YoY)-1.60%-3.74%8.70%4.78%17.21%+1,881 bps
Deposit Growth (YoY)4.15%5.80%14.07%22.11%10.58%+643 bps
Asset Quality
Nonperforming Loans / Loans4.09%3.40%4.18%7.29%4.95%+86 bps
Net Charge-Offs / Loans-2.08%1.19%0.09%0.01%-0.01%+206 bps
Allowance / Loans1.25%0.90%1.00%1.06%0.99%-26 bps
Allowance Coverage of NPLs0.3x0.3x0.2x0.1x0.2x-0.1x
Capital
Tier 1 Leverage Ratio9.45%9.23%8.69%7.77%6.67%-278 bps
Total Risk-Based Capital9.45%9.23%8.69%10.74%10.45%+100 bps
Equity / Assets8.31%8.22%7.55%6.59%6.71%-159 bps
Liquidity & Funding
Loans / Deposits71.33%70.79%68.58%60.29%75.61%+428 bps
Liquid Assets / Assets12.07%12.75%15.64%25.46%12.19%+12 bps
CRE / Total Capitaln/a118.98%130.06%113.52%n/an/a