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Transpecos Banks, SSB
Pecos, TX · FDIC Certificate #11178 · Chartered 03/0
Total assets
$972.07M
Total deposits
$872.02M
Total equity
$66.05M
Net loans
$652.79M
Branches (offices)
4
Net income (YTD)
-$7.78M
Rank: #1,072 of 4,213 U.S. banks by assets · #95 of 346 in Texas. Assets changed 12.7% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.57% |
| Return on equity | -22.59% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 6.79% |
| Tier 1 leverage ratio | 6.67% |
| Uninsured deposits (share of deposits) | 39.8% |
| Noncurrent loans (share of loans) | 8.15% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 74.9% |
| Real estate loans (share of loans) | 29.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $189.43M | 29.0% | |
| Commercial & industrial | $407.40M | 62.4% | |
| Consumer / individual | $51.90M | 7.9% | |
| Construction & development | $20.56M | 3.1% | |
| Agricultural | $1.57M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $462.25M | $417.96M | $1.41M | $28.95M |
| Jun 2023 | $629.70M | $512.19M | $932.00K | $51.71M |
| Jun 2024 | $837.37M | $757.14M | $13.49M | $74.28M |
| Jun 2025 | $862.87M | $788.59M | $3.07M | $72.48M |
| Jun 2026 | $972.07M | $872.02M | -$7.78M | $66.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $872.02M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $872.02M.
Similar-sized banks
Round Top State Bank ($974.06M) · Watertown Savings Bank ($970.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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