BlastPoint's Banking Scorecard

Transpecos Banks, SSB

$100M-$1B Specialty: Commercial TX FDIC cert 11178

Pecos, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +10.6% year over year ($872.0M on the books).
Delinquency rate 8.23%.
Return on assets -1.57%.
Efficiency ratio 146.40% vs a 64.48% peer average.
Loan-to-deposit ratio 74.86% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Transpecos Banks, SSB faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.8% in tier
- Return on Assets 2.89% below tier average
- Delinquency Rate 7.31% above tier average
- Nonperforming Asset Ratio 4.86% above tier average
- Net Interest Margin 0.86% below tier average

Get updates when Transpecos Banks, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$972.1M +12.7% YoY -6.4% QoQ	+$585.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 1.1% in tier
Total Loans ?	$652.8M +17.5% YoY +13.1% QoQ	+$394.4M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 4.0% in tier
Total Deposits ?	$872.0M +10.6% YoY -9.9% QoQ	+$545.3M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 0.2% in tier
Return on Assets ?	-1.57% -320.2% YoY -1.2% QoQ	-2.89%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 0.9% in tier
Net Interest Margin ?	3.13% -6.8% YoY +4.4% QoQ	-0.86%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 13.7% in tier
Efficiency Ratio ?	146.40% +33.0% YoY -1.0% QoQ	+81.92%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 0.5% in tier
Delinquency Rate ?	8.23% +98.7% YoY +11.7% QoQ	+7.31%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 0.6% in tier
Loan-to-Deposit Ratio ?	74.86% +6.3% YoY +25.5% QoQ	-3.09%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	21.54% +22.8% YoY -13.2% QoQ	-0.49%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	5.53% +107.3% YoY +35.0% QoQ	+4.86%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 0.8% in tier
Tier 1 Capital Ratio ?	9.74% +3.1% YoY -1.2% QoQ	-6.17%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 7.5% in tier
Non-Interest Income / Assets ?	0.30% -14.1% YoY +85.9% QoQ	-0.27%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	21.5% +4.0pp YoY -3.3pp QoQ	-0.6pp	22.1%	29.2%	22.2%	52%
Brokered Deposits	27.5% -1.0pp YoY -4.5pp QoQ	+19.7pp	7.9%	8.0%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	62.4% +12.9pp YoY +6.1pp QoQ	+50.9pp	11.6%	14.8%	12.5%	100%
CRE	11.6% -5.4pp YoY -2.0pp QoQ	-27.9pp	39.5%	48.4%	41.4%	6%
1-4 Family	16.9% -5.9pp YoY -2.7pp QoQ	-15.8pp	32.6%	25.8%	31.3%	23%
Consumer	7.9% -2.4pp YoY -1.4pp QoQ	+3.8pp	4.1%	4.7%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	9.7% -0.1pp QoQ	-9.1pp	18.8%	22.7%	19.7%	1%
Leverage Ratio	6.7% -2.8pp YoY -1.1pp QoQ	-5.5pp	12.2%	12.6%	12.6%	0%
Total Capital Ratio	10.7% 0.0pp QoQ	-9.2pp	19.9%	23.8%	20.8%	1%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	115 +13 (+12.7%) YoY +3 (+2.7%) QoQ	+56	58	186	482	91%
Assets per Employee ($)	$8.5M -0.1% YoY -8.9% QoQ	+$935K	$7.5M	$10.1M	$8.8M	74%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	4.2% +2.4pp YoY +1.8pp QoQ	+3.8pp	0.3%	0.3%	0.4%	100%
Nonaccrual	4.1% +1.6pp YoY -0.9pp QoQ	+3.1pp	0.9%	1.0%	1.0%	97%
Allowance Coverage	0.12x -60.4% YoY -16.2% QoQ	-24.03x	24.15x	18.82x	20.23x	0%
Net Charge-off Rate (YTD)	-0.0% +1.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	-22.6% -31.2pp YoY -0.6pp QoQ	-34.8pp	12.2%	13.2%	11.6%	0%
Cost of Funds (YTD)	2.8% -0.6pp YoY -0.1pp QoQ	+1.1pp	1.7%	1.6%	1.7%	95%
Net Income ($, YTD)	$-7779000.0 -353.4% YoY — QoQ	-$10.3M	$2.6M	$15.9M	$40.4M	0%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#22 of 361 • Bottom 5.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 146.40%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Deposits

size

Value: $872.02M

Peer Median: $326.73M

#5 of 2643 Top 0.2% in $100M-$1B

Total Assets

size

Value: $972.07M

Peer Median: $386.57M

#29 of 2643 Top 1.1% in $100M-$1B

106

Total Loans

size

Value: $652.79M

Peer Median: $258.35M

#106 of 2643 Top 4.0% in $100M-$1B

Top Weaknesses (6 metrics)

2630

Efficiency Ratio

profitability

Value: 146.40%

Peer Median: 64.48%

#2630 of 2643 Bottom 0.5% in $100M-$1B

2619

Delinquency Rate

credit_quality

Value: 8.23%

Peer Median: 0.92%

#2619 of 2633 Bottom 0.6% in $100M-$1B

2623

Nonperforming Asset Ratio

credit_quality

Value: 5.53%

Peer Median: 0.67%

#2623 of 2643 Bottom 0.8% in $100M-$1B

2621

Return on Assets

profitability

Value: -1.57%

Peer Median: 1.32%

#2621 of 2643 Bottom 0.9% in $100M-$1B

2445

Tier 1 Capital Ratio

capital

Value: 9.74%

Peer Median: 15.91%

#2445 of 2643 Bottom 7.5% in $100M-$1B

2283

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.99%

#2283 of 2643 Bottom 13.7% in $100M-$1B