Pecos, TX · Cert 11178 · Transpecos Financial Corp.
SI · FDIC · 4 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #66 of 66 inst. · $0.0B of $175.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 0.34% | 0.53% | 0.56% | 0.24% | 0.21% | -1.55% | -1.57% | -212 bps | |
| Return on Equity | 21.80% | 4.18% | 6.40% | 6.73% | 2.91% | 2.56% | -21.96% | -22.59% | -2,932 bps | |
| Net Interest Margin | 3.29% | 3.23% | 3.34% | 3.11% | 3.10% | 2.97% | 2.85% | 2.68% | -43 bps | |
| Efficiency Ratio | 58.51% | 67.50% | 74.10% | 110.04% | 111.82% | 103.85% | 147.84% | 146.40% | +3,636 bps | |
| Non-Interest Burden | 0.55% | 1.33% | 2.29% | 3.50% | 3.57% | 3.12% | 4.57% | 4.19% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.09% | 11.46% | 7.88% | 3.05% | 4.48% | 12.55% | 19.92% | 12.65% | +961 bps | |
| Loan Growth (YoY) | 19.18% | 7.22% | 1.01% | -1.60% | -3.74% | 8.70% | 4.78% | 17.21% | +1,881 bps | |
| Deposit Growth (YoY) | 21.42% | 23.21% | 8.45% | 4.15% | 5.80% | 14.07% | 22.11% | 10.58% | +643 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.34% | 3.31% | 4.44% | 4.09% | 3.40% | 4.18% | 7.29% | 4.95% | +86 bps | |
| Net Charge-Offs / Loans | 0.21% | 1.65% | 0.02% | -1.03% | -0.29% | -0.18% | 0.01% | 0.00% | +103 bps | |
| Allowance / Loans | 1.27% | 1.57% | 1.68% | 1.25% | 0.90% | 1.00% | 1.06% | 0.99% | -26 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.4x | 0.3x | 0.3x | 0.2x | 0.1x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 8.97% | 8.75% | 9.45% | 9.23% | 8.69% | 7.77% | 6.67% | -278 bps | |
| Total Risk-Based Capital | 9.64% | 8.97% | 8.75% | 9.45% | 9.23% | 8.69% | 10.74% | 10.45% | +100 bps | |
| Equity / Assets | 8.81% | 8.19% | 8.25% | 8.31% | 8.22% | 7.55% | 6.59% | 6.71% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.80% | 71.97% | 70.27% | 71.33% | 70.79% | 68.58% | 60.29% | 75.61% | +428 bps | |
| Liquid Assets / Assets | 13.68% | 15.29% | 14.82% | 12.07% | 12.75% | 15.64% | 25.46% | 12.19% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 118.98% | 130.06% | 113.52% | n/a | n/a | |