TRANSPECOS BANKS, SSB

PECOS, TX | Medium | Est. March 1, 1924, midnight | FDIC #11178 | RSSD #908861 | FDIC
Latest Report: 2025-12-31

TRANSPECOS BANKS, SSB is amn medium FDIC-insured commercial bank headquartered in PECOS, TX, established in March 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $968M and total deposits of $888M. Profitability stands at 2.07% ROA and 25.55% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 7.55%. Asset quality metrics show a non-performing loan ratio of 3.44% and a Texas Ratio of 25.49%. FDIC Certificate #11178.

Assets

$968M

Deposits

$888M

Loans

$606M

Equity

$77M

Profitability

Return on Assets (ROA) 2.07%
Return on Equity (ROE) 25.55%
Net Interest Margin (NIM) 3.54%
Yield on Assets 6.36%
Cost of Funds 2.83%

Asset Quality

NPL Ratio 3.44%
Net Charge-Off Ratio 0.01%
Texas Ratio 25.49%
NPA Ratio 2.16%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 7.55%
Tier 1 Capital 7.55%
Total Capital Ratio 7.92%
Leverage Ratio 9.22%
Loan-to-Deposit 68.30%

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