PECOS COUNTY STATE BANK, THE

FORT STOCKTON, TX | Small | Est. May 11, 1928, midnight | FDIC #13006 | RSSD #396954 | FDIC
Latest Report: 2025-12-31

PECOS COUNTY STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in FORT STOCKTON, TX, established in May 11, 1928, midnight. As of 2025-12-31, the bank reported total assets of $301M and total deposits of $271M. Profitability stands at 1.83% ROA and 19.74% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 9.53%. Asset quality metrics show a non-performing loan ratio of 1.39% and a Texas Ratio of 5.58%. FDIC Certificate #13006.

Assets

$301M

Deposits

$271M

Loans

$124M

Equity

$29M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 19.74%
Net Interest Margin (NIM) 4.16%
Yield on Assets 5.58%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 1.39%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.58%
NPA Ratio 0.57%
ACL / Loans 1.72%

Capital & Liquidity

CET1 Ratio 9.53%
Tier 1 Capital 9.53%
Total Capital Ratio 10.01%
Leverage Ratio 12.33%
Loan-to-Deposit 45.61%

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