BlastPoint's Banking Scorecard
The Pecos County State Bank
Fort Stockton, TX
5 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 +0.3% year over year ($280.7M on the books).
- Delinquency rate 1.00%.
- Return on assets 1.61%.
- Efficiency ratio 61.86% vs a 64.48% peer average.
- Loan-to-deposit ratio 42.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Pecos County State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Efficiency Ratio 2.62% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 59.3% in tier
- - Net Interest Margin 0.17% below tier average
- - Delinquency Rate 0.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$309.4M
+1.6% YoY
-4.7% QoQ
|
-$77.2M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$118.4M
-7.3% YoY
+2.7% QoQ
|
-$139.9M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$280.7M
+0.3% YoY
-4.6% QoQ
|
-$46.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.61%
-10.6% YoY
+1.8% QoQ
|
+0.28% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.82%
-1.7% YoY
-2.5% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
61.86%
+7.6% YoY
-2.0% QoQ
|
-2.62% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
1.00%
-5.2% YoY
-7.2% QoQ
|
+0.08% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
42.19%
-7.5% YoY
+7.7% QoQ
|
-35.76% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 4.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.29%
+0.7% YoY
-2.5% QoQ
|
+8.26% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.38%
-15.6% YoY
-0.0% QoQ
|
-0.29% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
11.57%
+2.4% YoY
-0.1% QoQ
|
-4.34% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.34%
-2.6% YoY
+114.6% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
30.3%
+0.2pp YoY -0.8pp QoQ |
+8.1pp | 22.1% | 29.2% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.6%
-4.1pp YoY -1.6pp QoQ |
+2.1pp | 11.6% | 14.8% | 12.5% | 71% |
| CRE |
53.6%
+1.0pp QoQ |
+14.1pp | 39.5% | 48.4% | 41.4% | 76% |
| 1-4 Family |
20.1%
+0.7pp YoY +1.0pp QoQ |
-12.6pp | 32.6% | 25.8% | 31.3% | 30% |
| Consumer |
7.5%
+0.2pp YoY -0.2pp QoQ |
+3.4pp | 4.1% | 4.7% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
11.6%
+0.3pp YoY 0.0pp QoQ |
-0.6pp | 12.2% | 12.6% | 12.6% | 59% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
0 YoY +2 (+3.6%) QoQ |
-1 | 58 | 186 | 482 | 61% |
| Assets per Employee ($) |
$5.3M
+1.6% YoY -7.9% QoQ |
-$2.2M | $7.5M | $10.1M | $8.8M | 20% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 12 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.3pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 8% |
| Nonaccrual |
1.0%
+0.2pp YoY -0.1pp QoQ |
+0.1pp | 0.9% | 1.0% | 1.0% | 71% |
| Allowance Coverage |
1.78x
+9.6% YoY +4.8% QoQ |
-22.37x | 24.15x | 18.82x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.5%
-6.1pp YoY +0.5pp QoQ |
+5.3pp | 12.2% | 13.2% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$2.5M
-12.9% YoY — QoQ |
-$52K | $2.6M | $15.9M | $40.4M | 62% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.