The Pecos County State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Pecos County State Bank is an FDIC-insured commercial bank headquartered in Fort Stockton, TX, established in 1928 (FDIC certificate 13006), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $309.4M, up 1.6% from Q2 2025, the 208th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13006
- Headquarters
- Fort Stockton, TX
- Established
- 1928
- Total assets, Q2 2026
- $309.4M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 11.57%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 112321318
- Latest call report
- Q2 2026, FFIEC 051 · The Pecos County State Bank call report
- Holding company
- PECOS COUNTY BANCSHARES, INC.
- Asset rank in state
- 208th of 346 in Texas
The Pecos County State Bank, based in Fort Stockton, Texas, reported $309 million in assets at June 30, 2026, up 1.6% from a year earlier. It shrank its loan book 7.2% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also holds commercial real estate loans equal to only 36% of its capital, about a third the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 7.2% and deposits rose 0.3%. The commercial and industrial book ($16 million) is worsening: 2.39% of it is past due or on nonaccrual, up from 0.51% a year earlier.
As of June 30, 2026, The Pecos County State Bank reported a return on assets of 1.62%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 3.94%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Pecos County State Bank is the 208th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 4.7% to $309.4M, loans rose 2.6% and deposits fell 4.6%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 41.8% of total loans, followed by 1-4 family residential loans at 19.7%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TX; its Fort Stockton 2 offices book 64% of its branch deposits. Judged on its Q2 2026 call report, The Pecos County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 N Main St, Fort Stockton, TX 79735
- County
- Pecos
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 11, 1928
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $280.7M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $314.2M
- Average total loans
- $120.4M
- Average interest-bearing deposits
- $187.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13006
- Fed RSSD
- 396954
- Website
- WWW.PCSBANK.NET →
- Parent Holding Company
- PECOS COUNTY BANCSHARES, INC. (RSSD 1109058)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Pecos County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Pecos County State Bank's total assets ran between $294.8M (Q3 2025) and $329.1M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$309.4M total assets against $304.7M; $281.5M total liabilities against $280.8M.
$118.4M net loans and leases against $127.7M; $280.7M total deposits against $279.9M.
$162.3M securities against $146.8M; $15.5M cash and balances due against $17.0M.
$3.7M total interest income against $3.9M; $999K total interest expense against $1.1M.
$2.7M net interest income against $2.8M.
$543K total noninterest income against $553K; $1.9M total noninterest expense against $2.0M.
$0 provision for credit losses against $0.
$1.3M net income against $1.4M.
1.62% return on assets against 1.76%; 3.61% net interest margin against 3.76%.
11.57% tier 1 leverage ratio against 11.29%.
Inside the full The Pecos County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Pecos County State Bank rankings
Its closest position to the top of a national ranking is 1,069 of 3,611, for ROA; its furthest is 2,412 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.03% (Q3 2024) to 1.82% (Q4 2025) and its net interest margin ran from 3.61% (Q2 2026) to 4.06% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.57% | 1.62% | 0.98% | 3.94% | 3.61% |
| Q1 2026 | 11.58% | 1.54% | 1.06% | 3.93% | 3.81% |
| Q4 2025 | 12.33% | 1.82% | 1.70% | 6.81% | 4.06% |
| Q3 2025 | 11.89% | 1.56% | 1.39% | 6.34% | 3.92% |
| Q2 2025 | 11.29% | 1.76% | 1.03% | 5.30% | 3.76% |
| Q1 2025 | 10.88% | 1.81% | 0.78% | 3.75% | 3.79% |
| Q4 2024 | 10.89% | 1.69% | 2.31% | 12.03% | 3.63% |
| Q3 2024 | 10.75% | 1.03% | 1.97% | 9.55% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Pecos County State Bank | Fort Stockton , TX | 79735 | $179.6M |
| Van Horn Branch | Van Horn , TX | 79855 | $55.5M |
| Sierra Blanca Bank - A Branch of Pecos County State Bank | Sierra Blanca , TX | 79851 | $25.1M |
| Sanderson Bank, Branch of Pecos County State Bank | Sanderson , TX | 79848 | $20.5M |
| Detached Facility | Fort Stockton , TX | 79735 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 13, 2008 | Structure Change | Acquired Sanderson State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 12, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 249 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $96K approved, $96K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Pecos County State Bank
What are The Pecos County State Bank's total assets?
As of the Q2 2026 filing, The Pecos County State Bank reported total assets of $309.4 million in its FFIEC call report.
Where is The Pecos County State Bank headquartered?
It is headquartered in Fort Stockton, TX, United States.
When was The Pecos County State Bank founded?
It was established in 1928, per the FDIC institution directory.
Is The Pecos County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13006). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Pecos County State Bank?
The Pecos County State Bank's primary federal regulator is the FDIC.
How many branches does The Pecos County State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Pecos County State Bank's Texas Ratio?
Its Texas Ratio is 3.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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