# PECOS COUNTY STATE BANK
FORT STOCKTON, TX · FDIC certificate 13006 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $309.4M | |
| Deposits | $280.7M | |
| Loans and leases | $120.5M | |
| Total equity | $27.9M | |
| Loans / deposits | 42.19% (p3 of band) | 82.04% |
| Liquid assets / assets | 57.47% (p96 of band) | |
| Uninsured deposits / deposits | 40.35% (p88 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.57% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -30.31% (p12 of band) | -8.10% |
| AOCI / equity | -0.63% (p36 of band) | |
| ROA (annualized) | 1.61% (p70 of band) | 1.28% |
| Net interest margin | 3.82% (p45 of band) | 3.91% |
| Efficiency ratio | 61.86% (p51 of band) | |
| Noncurrent loans | 0.98% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 177.83% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 0.95% (p5 of band) | |
| Auto loans | $4.7M (3.93% of loans; DQ 0.30%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 | leverage <7% | reserve under noncurrent |
| 2012-12 | 0 |  | capital falling, leverage <7% |
| 2013-03 | 1 | leverage <7% |  |
| 2013-06 | 0 |  | leverage <7% |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | deposits shrinking | charge-offs p90 |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | uninsured deposits >50% |  |
| 2021-03 | 2 | capital falling, charge-offs p90 | uninsured deposits >50% |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | noncurrent p90, reserve under noncurrent |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 2 | deposits shrinking | noncurrent p90, reserve under noncurrent |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-06 | 2 | deposits shrinking |  |
| 2025-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2025-12 | 3 |  | securities losses >30% of equity |
| 2026-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-06 | 2 | capital falling, securities losses >30% of equity |  |

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

- 2025-11-19 [Nancy Tarter Obituary - Wichita, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTjV2UWh4bFp6MTRiSmVxQnFBV3hNTk82OEx0d1VRSmZkNU9tUkV3Qks1XzF6S21kZnRrSWNEUFpJTGE0MTdZOFFteTVUSVpmeHc3bk9TUlVJWkROQkpOazgwY0t0dTg0bVFDZk5XcmZLbzd3ajZZVzhqQXI1U3dNOQ?oc=5) · Dignity Memorial
- 2022-03-09 [Pecos County State Bank names new directors - Fort Stockton Pioneer](https://news.google.com/rss/articles/CBMijAFBVV95cUxQbVF6cEkzRzNpcVB0anZNamRCWVRKYTNxZnc5V3R4N0drTjNROFJBNTIya1k3NUFMd2Z2b1VobUVPRFlkR0Q5RWZ2SFdyMmRWWHRZNF94NzBFTHFfcUMtME9Pb3NOWVFzdHQ4b1FINjRtLVBTT1ZFRy02TTZiMWE2WHdDUUxZVDV4RHhhYg?oc=5) · Fort Stockton Pioneer
- 2021-08-29 [EPE payment kiosks being installed for customers - KFOX](https://news.google.com/rss/articles/CBMihAFBVV95cUxPSHZhZS1DWTBJOVAyczFDUHEzUm56d3J4cmprSllrVk9KSUs2ekh1SlV5VGFGeG1waXJ2VFVLZ1F4Q2lxemFRdDNoVm5CU05TRnJUbndFMEFRVk9xcG93VkMwT3I5dkRpc1BIN2pBNGVYSkF6a0lRRGtxU3NKRDYxcVFSOHo?oc=5) · KFOX
- 2021-02-25 [Pecos County State Bank announces promotions - Fort Stockton Pioneer](https://news.google.com/rss/articles/CBMijgFBVV95cUxOajZyMElUREZQYjVMNTJoTVpUbWhjZ0V0NDZVdVZJRjQ3NnFtdjhUU1BiaTd6Y1ExUkE4MzZyZmdhOGZyUzYzY1Q4eVpIVVFieXYzdnFiUk9TM1hVOTlGNXNVZW5mVUhPSHdua0o1NW56VG9UaGpyd0NYX2NpZWtXeGp3T0FUMW1ONDV4b1lB?oc=5) · Fort Stockton Pioneer
- 2017-12-03 [Peggy Miller Stovall Obituary December 3, 2017 - Harper Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTFBHOEdISWlSX29ob0hjVVlaYm4wS2tndmh5NndsTW5JTVF1c1k4bzNxcS16RGxLVExCQ09YY1N1akt1SHJJSHkxbllSSjlzTm1ELVQ0am9hWjdXVFFSUElDTzJyUjh0amlOd21XS3RzaG52T2dP?oc=5) · Harper Funeral Home
- 2023-09-20 [Patrick Nuckles Gerald Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1ydFlBYUhZdDdCV1JkSE5KRk44eWQ5VlBKSElPWG9yTWplSm5YYnBoR3Fpa1FtQ3FpQ1p0allqb2dHTHdPazl6cERoUExJb3dBU3V0NDFiVXRkZGlzbGc?oc=5) · Abilene Reporter-News
- 2026-08-04 [Weldon Orvie Hayes Obituary (2026) - Fort Stockton, TX - Eternity Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRW5ZVmUzY3V4SDFBWloxU0Jja2pZN0lxVElrNFJUV2RrQWhNY1MyVi1QZVJ4NktCaVVTb2IxZ1QzeUhPSGdNcW9OM2FYbGRrcEYxQUZLNjJOSUpPQ2dpcW5Qb3RPekFvMjJCTHdfZjNfNHB6NE5aLTQ0Y1Bid0ZkNg?oc=5) · legacy.com
- 2019-08-12 [Thelma Pistole Obituary - Odessa, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOSzVSLVhrT2pRbE9TZFpEOUNlOVdmLXhBU3RzNVgweTBuT2ZIUXh5RUtNMWlkWmdZT1BMSnktZm9jZjZ5ZzdXZlVEWGhPdkVkR1NGbGpjRk5ycGRZazV3eDVxMGxtQ0lyOXlLRmcwb2F5d3RyUDh5bWI0dF9tX1VtOA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13006 (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/14.json (key "13006", 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