BlastPoint's Banking Scorecard
The Pecos County State Bank
Micro
Specialty: Commercial
TX
FDIC cert 13006
Designations: ✓ Community bank
Fort Stockton, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Pecos County State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.70% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$300.7M
-7.8% YoY
+2.0% QoQ
|
+$83.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$121.4M
-9.3% YoY
-3.8% QoQ
|
-$17.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$270.9M
-10.0% YoY
+1.4% QoQ
|
+$87.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.74%
+21.1% YoY
+1.1% QoQ
|
+0.65% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.96%
+5.7% YoY
+1.1% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
59.72%
+4.7% YoY
+0.4% QoQ
|
-8.01% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
1.73%
-26.4% YoY
+22.2% QoQ
|
+1.09% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
44.82%
+0.7% YoY
-5.2% QoQ
|
-29.70% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.74%
+12.2% YoY
-1.5% QoQ
|
+8.35% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.70%
-27.7% YoY
+13.0% QoQ
|
+0.25% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.70%
+6.1% YoY
+30.1% QoQ
|
+0.14% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.82%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.82% · Tier avg: 74.53%
83
83th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.08%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 22.39%
75
75th pctile
Total Deposits
Current: $270.9M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $300.7M · Tier avg: $217.5M
68
68th pctile
Efficiency Ratio
Current: 59.72% · Tier avg: 67.73%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Loans
Current: $121.4M · Tier avg: $139.2M
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.73% · Tier avg: 0.64%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.73% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
50
50th pctile
Total Loans
Current: $121.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
68
68th pctile
Efficiency Ratio
Current: 59.72% · Tier avg: 67.73%
72
72th pctile
Total Assets
Current: $300.7M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $270.9M · Tier avg: $183.7M
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
83
83th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.08%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.82% · Tier avg: 74.53%