Transpecos Banks, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 15.32 percentage points higher than in Q1 2026, at 75.61%. On return on assets, Transpecos Banks, SSB is 2nd from the bottom among 345 Texas banks, -1.60% (Q2 2026). Transpecos Banks, SSB's return on assets of -1.60% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.85 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.49% |
| Tier 1 risk-based capital ratio | 9.49% |
| Total risk-based capital ratio | 10.45% |
| Tier 1 leverage ratio | 6.67% |
| Equity capital to assets | 6.71% |
| Tangible equity to tangible assets | 6.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.62% |
| Non-performing assets ratio | 2.45% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 46.65% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 27.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.60% |
| Return on equity | -23.33% |
| Net interest margin | 3.27% |
| Efficiency ratio | 142.71% |
| Yield on earning assets | 5.97% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.61% |
| Core deposits to total deposits | 72.16% |
| Brokered deposits to total deposits | 27.55% |
| Deposits to assets | 89.71% |
| Securities to assets | 4.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.31% | 1.00% |
| Q4 2023 | — | — | — | 8.65% | 0.65% |
| Q1 2024 | — | — | — | 9.01% | 1.22% |
| Q2 2024 | — | — | — | 9.44% | 5.86% |
| Q3 2024 | — | — | — | 9.64% | 0.26% |
| Q4 2024 | — | — | — | 8.97% | -5.22% |
| Q1 2025 | — | — | — | 8.75% | 0.72% |
| Q2 2025 | — | — | — | 9.45% | 0.82% |
| Q3 2025 | — | — | — | 9.23% | -0.54% |
| Q4 2025 | — | — | — | 8.69% | 0.17% |
| Q1 2026 | 9.85% | 9.85% | 10.74% | 7.77% | -1.74% |
| Q2 2026 | 9.49% | 9.49% | 10.45% | 6.67% | -1.60% |
Transpecos Banks, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Transpecos Banks, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Transpecos Banks, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11178) · FFIEC NIC profile (RSSD 908861)