BlastPoint's Banking Scorecard
Transpecos Banks, SSB
Designations: ✓ Community bank
Pecos, TX
4 branches across TX
Transpecos Banks, SSB faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.9% in tier
- - Return on Assets 2.91% below tier average
- - Delinquency Rate 6.48% above tier average
- - Nonperforming Asset Ratio 3.42% above tier average
- - Net Interest Margin 0.82% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+19.9% YoY
+7.7% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.5% in tier |
| Total Loans ? |
$577.1M
+5.4% YoY
-4.4% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.1% in tier |
| Total Deposits ? |
$967.3M
+22.1% YoY
+8.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.1% in tier |
| Return on Assets ? |
-1.55%
-326.1% YoY
-680.5% QoQ
|
-2.91% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.6% in tier |
| Net Interest Margin ? |
3.00%
-20.4% YoY
-11.2% QoQ
|
-0.82% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
147.84%
+99.5% YoY
+42.4% QoQ
|
+86.78% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate ? |
7.37%
+63.3% YoY
+74.5% QoQ
|
+6.48% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.2% in tier |
| Loan-to-Deposit Ratio ? |
59.65%
-13.7% YoY
-12.1% QoQ
|
-24.55% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 7.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.83%
+10.2% YoY
-23.4% QoQ
|
+3.54% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
4.09%
+43.5% YoY
+54.9% QoQ
|
+3.42% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.8% in tier |
| Tier 1 Capital Ratio ? |
9.85%
+12.6% YoY
+13.3% QoQ
|
-5.31% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.6% in tier |
| Non-Interest Income / Assets ? |
0.16%
-2.8% YoY
-83.5% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.