Transpecos Banks, SSB
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Data as of · sourced from FFIEC call reports. How we update
Transpecos Banks, SSB is an FDIC-insured savings bank headquartered in Pecos, TX, established in 1924 (FDIC certificate 11178), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $972.1M, up 12.7% from Q2 2025, the 95th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 9.49% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11178
- Headquarters
- Pecos, TX
- Established
- 1924
- Total assets, Q2 2026
- $972.1M
- Assets vs Q2 2025
- +12.7%
- CET1 ratio, Q2 2026
- 9.49%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 112320788
- Latest call report
- Q2 2026, FFIEC 041 · Transpecos Banks, SSB call report
- Holding company
- TRANSPECOS FINANCIAL CORP.
- Asset rank in state
- 95th of 346 in Texas
Problem loans are rising at Transpecos Banks, SSB. Based in Pecos, Texas, it had $972 million in assets at June 30, 2026, up 12.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.81% of loans from 4.09% a year earlier. It loses about $1.60 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 143 cents to bring in each dollar of revenue, 2.3 times the median of 61 cents for banks its size.
It lost $3.9 million in the quarter. Over the same year, loans grew 17.2% and deposits grew 10.6%. Where it has less room is capital: it holds common equity equal to 9.49% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Transpecos Banks, SSB reported a CET1 capital ratio of 9.49%, a return on assets of -1.60%, a nonperforming-loan ratio of 4.95% and a Texas ratio of 45.39%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Transpecos Banks, SSB is the 95th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.4% to $972.1M, loans rose 13.0% and deposits fell 9.9%. Commercial and industrial loans made up 61.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 16.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Pecos office books 95% of its branch deposits. On its Q2 2026 call report, Transpecos Banks, SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 217 W 3rd St, Pecos, TX 79772
- County
- Reeves
- Metro Area
- Town of Pecos, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1924
- Former names
- TransPecos Banks (2005-2016)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 115
- Domestic deposits
- $872.0M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- -$13K
- Average total assets
- $977.7M
- Average total loans
- $624.5M
- Average interest-bearing deposits
- $774.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11178
- Fed RSSD
- 908861
- Website
- www.transpecos.bank →
- Parent Holding Company
- TRANSPECOS FINANCIAL CORP. (RSSD 2649588)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Transpecos Banks, SSB's total assets ran between $748.4M (Q3 2023) and $1.04B (Q1 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$972.1M total assets against $862.9M; $906.0M total liabilities against $790.4M.
$652.8M net loans and leases against $555.4M; $872.0M total deposits against $788.6M.
$46.6M securities against $46.9M; $136.6M cash and balances due against $122.3M.
$12.3M total interest income against $11.2M; $5.6M total interest expense against $6.0M.
$6.7M net interest income against $5.2M.
$1.2M total noninterest income against $1.6M; $11.5M total noninterest expense against $10.5M.
$340K provision for credit losses against -$5.2M.
-$3.9M net income against $1.6M.
-1.60% return on assets against 0.82%; 3.27% net interest margin against 3.28%.
9.49% CET1 capital ratio; 6.67% tier 1 leverage ratio against 9.45%.
Inside the full Transpecos Banks, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Transpecos Banks, SSB rankings
Its closest position to the top of a national ranking is 16 of 3,640, for Texas Ratio; its furthest is 3,599 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -5.22% (Q4 2024) to 0.82% (Q2 2025) and its net interest margin ran from 3.27% (Q2 2026) to 3.99% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.49% | -1.60% | 4.95% | 45.39% | 3.27% |
| Q1 2026 | 9.85% | -1.74% | 7.29% | 58.44% | 3.45% |
| Q4 2025 | — | 0.17% | 4.18% | 33.05% | 3.75% |
| Q3 2025 | — | -0.54% | 3.40% | 25.59% | 3.61% |
| Q2 2025 | — | 0.82% | 4.09% | 29.93% | 3.28% |
| Q1 2025 | — | 0.72% | 4.44% | 31.28% | 3.97% |
| Q4 2024 | — | -5.22% | 3.31% | 24.07% | 3.92% |
| Q3 2024 | — | 0.26% | 2.34% | 17.78% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Transpecos Banks, SSB (main office) | Pecos , TX | 79772 | $828.0M |
| Transpecos Banks - Alpine Branch | Alpine , TX | 79830 | $36.9M |
| Transpecos Banks - Marathon Branch | Marathon , TX | 79842 | $7.1M |
| Corporate Headquarters Branch | San Antonio , TX | 78205 | $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 |
|---|---|---|---|
| January 19, 2002 | Structure Change | Acquired Bank of Sierra Blanca Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 18, 2002 | 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.
- Enforcement actions
- 3 against the institution (Federal Reserve)
- January 6, 2014, Federal Reserve: Civil Money Penalty, $2,710: TransPecos Banks, Pecos, Texas
- April 13, 2011, Federal Reserve: Written Agreement: TransPecos Financial Corp., San Antonio, Texas, and TransPecos Banks, Pecos, Texas
- October 17, 1995, Federal Reserve: Cease and Desist Order: The Security State of Bank of Pecos, Pecos, TX
- Period: Most recent institution action January 6, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 124 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 10 applications, 6 loans originated, $1.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.1M approved, $1.1M 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
- 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 Transpecos Banks, SSB
What are Transpecos Banks, SSB's total assets?
As of the Q2 2026 filing, Transpecos Banks, SSB reported total assets of $972.1 million in its FFIEC call report.
Where is Transpecos Banks, SSB headquartered?
It is headquartered in Pecos, TX, United States.
When was Transpecos Banks, SSB founded?
It was established in 1924, per the FDIC institution directory.
Is Transpecos Banks, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #11178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Transpecos Banks, SSB?
Transpecos Banks, SSB's primary federal regulator is the FDIC.
What is Transpecos Banks, SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.49% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Transpecos Banks, SSB operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Transpecos Banks, SSB's Texas Ratio?
Its Texas Ratio is 45.39% 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.
What was Transpecos Banks, SSB previously called?
The charter now named Transpecos Banks, SSB has also operated as TransPecos Banks (2005-2016), per FDIC structure-change records.
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