Transpecos Banks, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Transpecos Banks, SSB of Pecos, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.60% | 1.35% | -2.95% | 2nd bottom |
| ROAE | -23.33% | 13.35% | -36.68% | 1st bottom |
| Net Interest Margin | 3.27% | 3.93% | -0.66% | 19th bottom |
| Efficiency Ratio | 142.71% | 61.06% | +81.65% | 1st bottom |
| PPNR / Avg Assets | -1.47% | 1.68% | -3.15% | 1st bottom |
| Yield on Earning Assets | 5.97% | 5.67% | +0.30% | 67th above |
| Cost of Funds | 2.23% | 1.88% | +0.35% | 24th bottom |
| Net Interest Spread | 2.88% | 3.32% | -0.44% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.62% | 0.94% | +2.68% | 4th bottom |
| NPA / Total Assets | 2.45% | 0.70% | +1.75% | 5th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) | 27.33% | 1540.23% | -1512.90% | 3rd bottom |
| Texas Ratio | 46.65% | 7.30% | +39.35% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.49% | 19.52% | -10.03% | 1st bottom |
| Tier 1 Ratio | 9.49% | 19.55% | -10.06% | 1st bottom |
| Total Capital Ratio | 10.45% | 20.64% | -10.19% | 0th bottom |
| Leverage Ratio | 6.67% | 12.14% | -5.47% | 0th bottom |
| Equity / Assets | 6.71% | 11.38% | -4.67% | 5th bottom |
| TCE / Tangible Assets | 6.54% | 11.10% | -4.56% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.61% | 80.64% | -5.03% | 60th above |
| Core Deposit Ratio | 72.16% | 86.87% | -14.71% | 6th bottom |
| Wholesale Funding Ratio | 3.10% | 5.04% | -1.94% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.65% | 6.85% | +5.80% | 89th top |
| Loan Growth (Y/Y) | 17.21% | 7.89% | +9.32% | 89th top |
| Deposit Growth (Y/Y) | 10.58% | 6.28% | +4.30% | 84th top |
See Transpecos Banks, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Transpecos Banks, SSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Transpecos Banks, SSB profile, how to read a UBPR, or how this data updates.