The Pecos County State Bank is a state-chartered bank headquartered in Fort Stockton, Texas, in business for about 98 years. At the end of Q2 2026 it reported $309.4M in total assets and $280.7M in deposits, with 5 offices.
Based on its Q2 2026 filing, The Pecos County State Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 191st. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is capital cushion (66/100; 11.57%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 58 |
| Q4 2024 | 56 |
| Q1 2025 | 74 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 70 |
| Q1 2026 | 72 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.84% |
| Q3 2024 | 10.75% |
| Q4 2024 | 10.89% |
| Q1 2025 | 10.88% |
| Q2 2025 | 11.29% |
| Q3 2025 | 11.89% |
| Q4 2025 | 12.33% |
| Q1 2026 | 11.58% |
| Q2 2026 | 11.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 1.97% |
| Q4 2024 | 2.31% |
| Q1 2025 | 0.78% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.70% |
| Q1 2026 | 1.06% |
| Q2 2026 | 0.98% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.51% |
| Q3 2024 | 1.35% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.83% |
| Q2 2025 | 1.80% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.74% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $309.4M | 11.57% | 0.98% | 1.61% | 42.2% |
| Q1 2026 | 72 | $324.5M | 11.58% | 1.06% | 1.58% | 39.2% |
| Q4 2025 | 70 | $300.7M | 12.33% | 1.70% | 1.74% | 44.8% |
| Q3 2025 | 72 | $294.8M | 11.89% | 1.39% | 1.72% | 47.3% |
| Q2 2025 | 73 | $304.7M | 11.29% | 1.03% | 1.80% | 45.6% |
| Q1 2025 | 74 | $329.1M | 10.88% | 0.78% | 1.83% | 42.3% |
| Q4 2024 | 56 | $326.1M | 10.89% | 2.31% | 1.43% | 44.5% |
| Q3 2024 | 58 | $321.5M | 10.75% | 1.97% | 1.35% | 43.8% |
| Q2 2024 | 77 | $319.7M | 10.84% | 0.08% | 1.51% | 42.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| First State BankBank Graham, TX | 81 out of 100, Strong | $308.8M | 10.1% | 0.00% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Citizens National Bank at BrownwoodBank Brownwood, TX | 74 out of 100, Strong | $303.4M | 10.5% | 0.74% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at The Pecos County State Bank?
Yes. The Pecos County State Bank is an FDIC-insured institution (FDIC certificate #13006). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.4% of deposits ($113.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
The Pecos County State Bank lists 4 offices in 4 cities. Most locations:
- Fort Stockton, TX (1)
- Sanderson, TX (1)
- Sierra Blanca, TX (1)
- Van Horn, TX (1)
Identity & history
Profile
- Legal name
- The Pecos County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13006
- RSSD ID
- 396954
- Primary regulator
- FDIC
- Holding company
- Pecos County Bancshares Inc
- Established
- May 11, 1928
- Headquarters
- 500 N Main St, Fort Stockton, TX 79735
- Website
- www.pcsbank.net
- Employees
- 58
Quick answers
The Pecos County State Bank: common questions
Is The Pecos County State Bank FDIC insured?
Yes. The Pecos County State Bank is an FDIC-insured institution (FDIC certificate #13006). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Pecos County State Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Pecos County State Bank ever failed?
There is no failure record for FDIC certificate #13006 in the FDIC failed bank list.
How many branches does The Pecos County State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Stockton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of Fort StocktonBank Fort Stockton, TX | 77 out of 100, Strong | $153.5M | 12.2% | 0.02% | vs |
| City BankBank Lubbock, TX | 75 out of 100, Strong | $5.4B | 10.8% | 0.25% | vs |
| 1st Community Federal Credit UnionCredit union San Angelo, TX | 58 out of 100, Moderate | $421.8M | 13.6% | 3.73% | vs |