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Pecos County State Bank, The

Fort Stockton, TX · Cert 13006 · Pecos County Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$309.4MAssets
$120.5MLoans
$280.7MDeposits
$27.9MEquity
Loan mix
76%RE $85.3M16%C&I $17.5M8%Consumer $8.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $195.6M30%Noninterest $85.0MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.24%Q2 ’254.80%Q2 ’26+4%-4%

Non-interest income vs. expense

2.48%Q2 ’242.50%Q2 ’252.58%Q2 ’26+1%+5%

Market Position · El Paso, TX · 2026 SOD (annual) · 0.2% share · #16 of 17 inst. · $0.0B of $11.5B

53.2% Pecos
100.0% Culberson
100.0% Hudspeth
100.0% Terrell

Executive Summary

  • Earnings: ROA of 1.26%, down 15 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.98% of loans (-5 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.57%, up 27 bps from a year ago.
  • Funding: loans stand at 42.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-16 bps YoY

Efficiency Ratio (YTD, annualized)

61.86%+438 bps YoY

Tier 1 Leverage Ratio

11.57%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.35%1.37%1.24%1.26%-15 bps
Return on Equity18.52%16.97%16.59%13.36%13.71%-481 bps
Net Interest Margin3.66%3.79%3.79%3.53%3.50%-16 bps
Efficiency Ratio57.48%59.50%59.60%63.14%61.86%+438 bps
Non-Interest Burden1.82%1.97%1.97%1.99%1.91%+9 bps
Growth
Asset Growth (YoY)-4.71%-8.29%-7.77%-1.38%1.56%+627 bps
Loan Growth (YoY)1.04%-2.38%-9.20%-9.89%-7.20%-825 bps
Deposit Growth (YoY)-5.94%-9.58%-9.97%-2.85%0.28%+622 bps
Asset Quality
Nonperforming Loans / Loans1.03%1.39%1.70%1.06%0.98%-5 bps
Net Charge-Offs / Loans0.01%0.04%0.06%0.05%0.03%+2 bps
Allowance / Loans1.68%1.68%1.72%1.79%1.74%+7 bps
Allowance Coverage of NPLs1.6x1.2x1.0x1.7x1.8x+0.2x
Capital
Tier 1 Leverage Ratio11.29%11.89%12.33%11.58%11.57%+27 bps
Total Risk-Based Capital11.29%11.89%12.33%11.58%11.57%+27 bps
Equity / Assets7.82%9.01%9.53%9.06%9.01%+119 bps
Liquidity & Funding
Loans / Deposits46.41%48.08%45.61%39.90%42.94%-346 bps
Liquid Assets / Assets0.71%0.57%0.48%0.44%0.47%-24 bps
CRE / Total Capitaln/a172.24%164.90%163.52%n/an/a