# TRANSPECOS BANKS SSB
PECOS, TX · FDIC certificate 11178 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $972.1M | |
| Deposits | $872.0M | |
| Loans and leases | $659.3M | |
| Total equity | $66.0M | |
| Loans / deposits | 74.86% (p35 of band) | 82.04% |
| Liquid assets / assets | 18.84% (p28 of band) | |
| Uninsured deposits / deposits | 39.83% (p87 of band) | 25.97% |
| Brokered deposits | 24.71% | |
| Wholesale funding | 27.81% (p97 of band) | |
| FHLB advances / assets | 3.09% | |
| Tier 1 leverage | 6.67% (p0 of band) | 10.81% |
| Unrealized securities loss / equity | -1.99% (p79 of band) | -8.10% |
| AOCI / equity | 0.24% (p88 of band) | |
| ROA (annualized) | -1.57% (p1 of band) | 1.28% |
| Net interest margin | 3.13% (p14 of band) | 3.91% |
| Efficiency ratio | 146.40% (p100 of band) | |
| Noncurrent loans | 8.15% (p100 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 12.14% | |
| Real estate % of loans | 29% | |
| Construction % of loans | 31.13% (p38 of band) | |
| Auto loans | $98,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 115 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | leverage <7% |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, construction >100% equity, leverage <7%, capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling, losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2013-06 | 5 | charge-offs p90, reserve under noncurrent |  |
| 2013-09 | 1 |  | capital falling, losing money, charge-offs p90, reserve under noncurrent |
| 2013-12 | 0 |  | expense ratio p90 |
| 2014-03 | 4 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  | expense ratio p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | charge-offs p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 2 | brokered >10% |  |
| 2018-06 | 3 | wholesale funding >15% |  |
| 2018-09 | 4 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2018-12 | 3 |  | uninsured deposits leaving |
| 2019-03 | 5 | capital falling, reserve under noncurrent |  |
| 2019-06 | 2 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2019-09 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2019-12 | 6 | capital falling |  |
| 2020-03 | 4 |  | reserve under noncurrent, capital falling |
| 2020-06 | 6 | loans exceed deposits, reserve under noncurrent |  |
| 2020-09 | 5 |  | uninsured deposits leaving |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | liquid assets <10% | brokered >10% |
| 2021-06 | 4 |  | liquid assets <10% |
| 2021-09 | 6 | brokered >10%, noncurrent p90 |  |
| 2021-12 | 6 | assets shrinking | loans exceed deposits |
| 2022-03 | 5 |  | charge-offs p90 |
| 2022-06 | 5 | expense ratio p90 | noncurrent p90 |
| 2022-09 | 4 |  | reserve under noncurrent |
| 2022-12 | 3 |  | assets shrinking |
| 2023-03 | 4 | construction >100% equity |  |
| 2023-06 | 7 | noncurrent p90, charge-offs p90, reserve under noncurrent, uninsured deposits leaving | construction >100% equity |
| 2023-09 | 5 |  | expense ratio p90, uninsured deposits leaving |
| 2023-12 | 6 | capital falling |  |
| 2024-03 | 5 |  | capital falling |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 | capital falling | charge-offs p90 |
| 2025-06 | 5 | expense ratio p90 | capital falling |
| 2025-09 | 5 |  |  |
| 2025-12 | 6 | capital falling |  |
| 2026-03 | 7 | losing money |  |
| 2026-06 | 8 | leverage <7% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-26 [JLL handling leasing and marketing for warehouse turned office - JLL](https://news.google.com/rss/articles/CBMingFBVV95cUxPSGluTnlTb0ZJR1c4azlQc1hMWjJTYnhkRjZSQXR1WDBuOGJoUV9lZVhQYXE2aXVpLWFyN1FmX2tuLVUwZi1pU1A4T01xQXV6T0NYMXRCMWY3NWFUbWhVcUxBaUZWbzFvWWZZbW9iZTREcTY2VlVsbk5XUkFUdkMxbmZCc3NQTEpVdlN6MU82NGdYaEt2OTY3Z3VXSlhfdw?oc=5) · JLL
- 2025-11-17 [Alpha Modus Financial Services Partners with TransPecos Banks and Synctera to Power Embedded Financial Services for the AlphaCash Platform - Yahoo Finance](https://news.google.com/rss/articles/CBMijgFBVV95cUxPOHVWRkxRY21fQ0tSREFoLXF3WEFVYTJjT3pfVk40MHh2Zm0wV1FUZXl4WFhaelc2ZVRpYjB3ZVZGbE1yVzBybmFUWndITFJkSnhKbl9YOExBeEZSdk1yMlpEVzNLb2FLN1hxYmFfUW92M2trUEF1RUFoenNlMmZuMFcxOFN2cjhyMEtsdTBR?oc=5) · Yahoo Finance
- 2021-10-15 [TransPecos Banks Successfully Converts to Nymbus Core - Business Wire](https://news.google.com/rss/articles/CBMirwFBVV95cUxNZm5vTlFwTVh5elFjOURMMTNvS3JFVHpweFBuRGJFcm9mUmhSdjh4X0hvQ1VhN2V6RmhtMnZDVFdwQThEbmkyOE56Y0NuaUdXQmpmTnVxZU5DM015RUpmVE9UbXJEMlE5dTRLVVJwNm1qQUxoOGM3amh5cWpYOWQ5Z2NtYW5PVWQtdDlhWjVHNmdhdENDMm4xTGp6eXdaYkM1U2hiY2tNNGQ5M2dReDlN?oc=5) · Business Wire
- 2024-11-25 [20 community banks with the highest returns on average assets as of 2024 - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxPamZFUzY4eHI5NVNlMkxwb2ZDR2xJX1JLb2JYLTZlekFPYXNiWVFEVVlZa0poV1k5UU9STDBmQ25hTXFaNDJKVDdtNFlhNGUyU3NrYUtJdGJKZkhiOTB3NC14aEc5ejQya1Z2Nm96cHBfeDc0em9TRHZGTjVVcDFKNno0Z2N0UkpnSTVoNG5mY2ZwdXVvOE1qRlFNbTRyTkdOTmU4azhVajU4NzN6?oc=5) · American Banker
- 2023-11-15 [Sunstone Bank & Trust Launches To Provide Personal Banking To ALC Customers - The Digital Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxQN2o1Um1hSng3ODNISnJybngzeDhpZDhCOHM5UDNLUnRuZXZTUldnTy13Y2JhODhhSmJhdUdJYWVzSWNKWnpycTR1U1JDSFQtRzlPSXhiaDVJYXNFSXdEZW1YVUN0V1ZDenVfTGM3LWJRRG54Si0wVzQxdVVHRzFRSTk5aW92RnZKTXJNejI4RXdFVHZYbDdSMUIwNm9FdnIzTlBQc1hB?oc=5) · The Digital Banker
- 2024-02-14 [Trice is a New Technology Provider for the RTP® Network from The Clearing House - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOZkJuTmdMbG1jZmhOS2xRbHRKcGN0bkV4QnNOQ3hOUllaTnVXa1RFRUVoeG9oTTBzVmxJMjUyaXBhUEFpbHdpRUN4X1lZdFJvZ3lwUUpRLThMVXctQVVkSi1zNzdtZHlqOFdrQWFvcndSLS1nS2x6TF9lTDk5b1lERXZsNlpuYU9qOE5rV29VTFFOQk9KSHNfMWI5V3paaWVjZndoTjgyZFNPMktPcVpaak1aUzRqMGV6ZlBKeEFkdk44LTdCMnRkVlE3aExyTTg?oc=5) · PR Newswire
- 2020-02-10 [TransPecos Banks Signs With NYMBUS for Modern Core Banking Upgrade - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNbkYwLTFJVjJEVVVjb0FwVVQ0LWRENnREX0dYNmpadUpnc1ZNZXRLeWxlOWRmc09BaGdRdFdmb3hyLXBOMjJlVlN0dUxFZjZYY0JiWTk5MjJiOVltaVV0dXBwR0Y3T2M3blBTYm80eHkyektmc3hYODY2R2VZN3pzRDMzNTZGUkhwM0F6LTZ6V01VZmJacGxiR0g5NmRsXzl0NjhiVUJKcXZQSHNXR1pXLU03QnVsX3JpM1lvYjJxZGs?oc=5) · Business Wire
- 2025-11-25 [Usio Acquires PostCredit Co - Yahoo Finance](https://news.google.com/rss/articles/CBMifkFVX3lxTE9OemxPMVZRbk1Hc1RKX1ZFVFFpNU92YWgxcURMREJrRXl3c3B5Z0dpWnBHM3FSMk0zWXZvYmt2WmV1WGMwVjJWOXJGSHR0M3MwbjdLNGJOS1JxSUNOdHJ4bHNkT1kwdmlvckxnbDY1Z1hTVmJEcUFMYzhMZzEyQQ?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11178 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "11178", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide