BlastPoint's Banking Scorecard
The Pecos County State Bank
Fort Stockton, TX
5 branches across TX
The Pecos County State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Efficiency Ratio 2.14% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 37.3% in tier
- - Margin Compression: Bottom 41.6% in tier
- - Delinquency Rate 0.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$324.5M
-1.4% YoY
+7.9% QoQ
|
-$61.6M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$115.3M
-10.0% YoY
-5.0% QoQ
|
-$140.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$294.3M
-2.8% YoY
+8.6% QoQ
|
-$33.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.58%
-13.6% YoY
-9.1% QoQ
|
+0.31% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
3.92%
+0.3% YoY
-1.1% QoQ
|
-0.02% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
63.14%
+12.4% YoY
+6.0% QoQ
|
-2.14% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
1.08%
+36.2% YoY
-37.8% QoQ
|
+0.19% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
39.19%
-7.4% YoY
-12.6% QoQ
|
-37.45% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 4.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.07%
+8.1% YoY
+1.1% QoQ
|
+9.05% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.38%
+21.8% YoY
-45.2% QoQ
|
-0.26% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.58%
+6.4% YoY
-6.1% QoQ
|
-4.26% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.16%
+1.0% YoY
-77.5% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
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.