Pecos County State Bank, The
Fort Stockton, TX · Cert 13006 · Peer group: banks under $1B in assets in TX (n=208-211) · Pecos County Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$309.4MAssets
$120.5MLoans
$280.7MDeposits
$27.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 72% of banks under $1B in assets in TX (rank 59 of 211).
- Widest gap: equity / assets trails 80% of banks under $1B in assets in TX (rank 168 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.27%
Rank 93 of 211
Net Interest Margin
3.50%
Rank 139 of 211
Efficiency Ratio
61.86%
Rank 96 of 211
Equity / Assets
9.01%
Rank 168 of 211
Non-interest income vs. expense
Unfavorable gap of $6.0M · efficiency ratio beats 55% 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 | 1.27% | 0.87% | 1.20% | 1.65% | Beats 56% | 93 / 211 | | |
| Return on Equity | 14.09% | 7.52% | 11.67% | 14.58% | Beats 72% | 59 / 211 | | |
| Net Interest Margin | 3.50% | 3.28% | 3.82% | 4.31% | Beats 34% | 139 / 211 | | |
| Efficiency Ratio | 61.86% | 53.01% | 64.18% | 73.65% | Beats 55% | 96 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.01% | 0.30% | 1.10% | Beats 28% | 151 / 208 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 37% | 133 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.57% | 11.72% | 14.45% | 19.57% | Beats 23% | 163 / 211 | | |
| Total Risk-Based Capital Ratio | 11.57% | 11.94% | 14.78% | 20.30% | Beats 22% | 164 / 211 | | |
| Equity / Assets | 9.01% | 9.41% | 11.06% | 12.94% | Beats 20% | 168 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.94% | 45.39% | 66.56% | 82.03% | 22nd pctl | 162 / 208 | | |
| Loans / Assets | 38.95% | 39.13% | 56.90% | 70.46% | 24th pctl | 161 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |