BlastPoint's Banking Scorecard
Transpecos Banks, SSB
Community
Specialty: Commercial
TX
FDIC cert 11178
Pecos, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Transpecos Banks, SSB faces 3 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 Ratio 29.53% above tier
- - Delinquency Rate 3.18% above tier
- - Nonperforming Asset Ratio 1.87% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$968.3M
+13.0% YoY
+10.5% QoQ
|
-$423.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$601.8M
+9.0% YoY
+7.0% QoQ
|
-$373.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$887.9M
+13.9% YoY
+10.7% QoQ
|
-$276.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.76%
+68.9% YoY
+148.0% QoQ
|
-0.40% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.49%
-2.6% YoY
+3.6% QoQ
|
-0.18% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
92.16%
+36.5% YoY
-17.6% QoQ
|
+29.53% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
3.81%
+13.3% YoY
+11.3% QoQ
|
+3.18% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
67.78%
-4.3% YoY
-3.4% QoQ
|
-15.29% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
32.30%
+62.3% YoY
+36.6% QoQ
|
+11.26% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
2.37%
+9.3% YoY
+7.7% QoQ
|
+1.87% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 4% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.97%
-59.7% YoY
+50.8% QoQ
|
+0.23% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
92.16%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.81%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
2.37%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.30% · Tier avg: 21.05%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
83
83th pctile
Loan-to-Deposit Ratio
Current: 67.78% · Tier avg: 83.06%
53
53th pctile
Total Deposits
Current: $887.9M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $968.3M · Tier avg: $1.4B
41
41th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.66%
41
41th pctile
Total Loans
Current: $601.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.37% · Tier avg: 0.50%
3
3th pctile
Efficiency Ratio
Current: 92.16% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 3.81% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.81% · Tier avg: 0.63%
3
3th pctile
Efficiency Ratio
Current: 92.16% · Tier avg: 62.63%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.37% · Tier avg: 0.50%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Total Loans
Current: $601.8M · Tier avg: $975.5M
41
41th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.66%
48
48th pctile
Total Assets
Current: $968.3M · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $887.9M · Tier avg: $1.2B
83
83th pctile
Loan-to-Deposit Ratio
Current: 67.78% · Tier avg: 83.06%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.30% · Tier avg: 21.05%