Fort Stockton, TX · Cert 13006 · Pecos County Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · El Paso, TX · 2026 SOD (annual) · 0.2% share · #16 of 17 inst. · $0.0B of $11.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.34% | 1.44% | 1.37% | 1.22% | 1.44% | 1.24% | 1.26% | -11 bps | |
| Return on Equity | 11.14% | 17.69% | 19.10% | 17.59% | 14.54% | 15.57% | 13.36% | 13.91% | -369 bps | |
| Net Interest Margin | 3.61% | 3.42% | 3.57% | 3.56% | 3.71% | 3.80% | 3.53% | 3.40% | -16 bps | |
| Efficiency Ratio | 54.87% | 56.63% | 56.19% | 58.82% | 63.68% | 59.89% | 63.14% | 60.53% | +171 bps | |
| Non-Interest Burden | 1.70% | 1.69% | 1.73% | 1.80% | 2.11% | 1.98% | 1.99% | 1.79% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.52% | 0.33% | 3.71% | -4.71% | -8.29% | -7.77% | -1.38% | 1.56% | +627 bps | |
| Loan Growth (YoY) | 10.67% | 12.30% | 3.28% | 1.04% | -2.38% | -9.20% | -9.89% | -7.20% | -825 bps | |
| Deposit Growth (YoY) | 1.27% | -0.87% | 3.59% | -5.94% | -9.58% | -9.97% | -2.85% | 0.28% | +622 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.97% | 2.31% | 0.78% | 1.03% | 1.39% | 1.70% | 1.06% | 0.98% | -5 bps | |
| Net Charge-Offs / Loans | -0.09% | 0.09% | 0.16% | -0.14% | 0.09% | 0.10% | 0.05% | 0.01% | +15 bps | |
| Allowance / Loans | 1.65% | 1.59% | 1.64% | 1.68% | 1.68% | 1.72% | 1.79% | 1.74% | +7 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 2.1x | 1.6x | 1.2x | 1.0x | 1.7x | 1.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.75% | 10.89% | 10.88% | 11.29% | 11.89% | 12.33% | 11.58% | 11.57% | +27 bps | |
| Total Risk-Based Capital | 21.47% | 10.89% | 10.88% | 11.29% | 11.89% | 12.33% | 11.58% | 11.57% | +27 bps | |
| Equity / Assets | 7.80% | 7.35% | 7.72% | 7.82% | 9.01% | 9.53% | 9.06% | 9.01% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.54% | 45.22% | 43.02% | 46.41% | 48.08% | 45.61% | 39.90% | 42.94% | -346 bps | |
| Liquid Assets / Assets | 0.67% | 0.66% | 0.66% | 0.71% | 0.57% | 0.48% | 0.44% | 0.47% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 172.24% | 164.90% | 163.52% | n/a | n/a | |