Headquartered in Pecos, Texas, Transpecos Banks, SSB is a si with $972.1M in total assets and $872.0M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1924.
Based on its Q2 2026 filing, Transpecos Banks, SSB scores 14/100, which we describe as low. That is higher than only 0% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 349th. Its strongest component is funding & liquidity (58/100; 75% loans-to-deposits, 40% uninsured), and its lowest is problem-loan coverage (0/100; 74.0%).
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
From Q2 2025 to Q2 2026, the score fell 23 points (37 → 14), mostly because the earnings component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 56 |
| Q4 2024 | 36 |
| Q1 2025 | 35 |
| Q2 2025 | 37 |
| Q3 2025 | 35 |
| Q4 2025 | 30 |
| Q1 2026 | 20 |
| Q2 2026 | 14 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.44% |
| Q3 2024 | 9.64% |
| Q4 2024 | 8.97% |
| Q1 2025 | 8.75% |
| Q2 2025 | 9.45% |
| Q3 2025 | 9.23% |
| Q4 2025 | 8.69% |
| Q1 2026 | 7.77% |
| Q2 2026 | 6.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.24% |
| Q3 2024 | 2.34% |
| Q4 2024 | 3.31% |
| Q1 2025 | 4.44% |
| Q2 2025 | 4.09% |
| Q3 2025 | 3.40% |
| Q4 2025 | 4.18% |
| Q1 2026 | 7.29% |
| Q2 2026 | 8.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.36% |
| Q3 2024 | 2.30% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.27% |
| Q1 2026 | -1.55% |
| Q2 2026 | -1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 14 | $972.1M | 6.67% | 8.15% | -1.57% | 74.9% |
| Q1 2026 | 20 | $1.0B | 7.77% | 7.29% | -1.55% | 59.7% |
| Q4 2025 | 30 | $964.8M | 8.69% | 4.18% | 0.27% | 67.9% |
| Q3 2025 | 35 | $876.5M | 9.23% | 3.40% | 0.31% | 70.1% |
| Q2 2025 | 37 | $862.9M | 9.45% | 4.09% | 0.71% | 70.4% |
| Q1 2025 | 35 | $866.4M | 8.75% | 4.44% | 0.69% | 69.1% |
| Q4 2024 | 36 | $857.2M | 8.97% | 3.31% | 0.45% | 70.8% |
| Q3 2024 | 56 | $838.9M | 9.64% | 2.34% | 2.30% | 76.8% |
| Q2 2024 | 58 | $837.4M | 9.44% | 2.24% | 3.36% | 74.5% |
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 |
|---|---|---|---|---|---|
| Round Top State BankBank Round Top, TX | 80 out of 100, Strong | $974.1M | 11.9% | 0.36% | vs |
| First National Bank and Trust Company of WeatherfordBank Weatherford, TX | 42 out of 100, Below average | $968.3M | 10.4% | 5.51% | vs |
| Tolleson Private BankBank Dallas, TX | 68 out of 100, Moderate | $982.0M | 9.4% | 0.00% | vs |
| Texas BankBank Henderson, TX | 70 out of 100, Strong | $953.9M | 10.6% | 0.46% | vs |
| HomeTown Bank, National AssociationBank Galveston, TX | 75 out of 100, Strong | $990.4M | 11.3% | 0.04% | vs |
| Ciera BankBank Graham, TX | 66 out of 100, Moderate | $992.9M | 11.1% | 1.22% | vs |
Deposit insurance
Is my money safe at Transpecos Banks, SSB?
Yes. Transpecos Banks, SSB is an FDIC-insured institution (FDIC certificate #11178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.8% of deposits ($347.3M) 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 6.67%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.72% (benchmark: 10%).
4 locations
Branches
Transpecos Banks, SSB lists 3 offices in 3 cities. Most locations:
- Alpine, TX (1)
- Marathon, TX (1)
- Pecos, TX (1)
HMDA 2025
Mortgage lending
In 2025, Transpecos Banks, SSB reported 10 home-loan applications under HMDA (LEI 254900E5EHQD56Y9WV93): 6 originated ($1,800,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Transpecos Banks, SSB
- Former names
- The Security State Bank of Pecos, Texas; TransPecos Banks
- Type
- SI
- FDIC certificate #
- 11178
- RSSD ID
- 908861
- Primary regulator
- FDIC
- Holding company
- Transpecos Financial Corp
- Established
- March 1, 1924
- Headquarters
- 217 W 3rd St, Pecos, TX 79772
- Website
- www.transpecos.bank
- Employees
- 115
Quick answers
Transpecos Banks, SSB: common questions
Is Transpecos Banks, SSB FDIC insured?
Yes. Transpecos Banks, SSB is an FDIC-insured institution (FDIC certificate #11178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Transpecos Banks, SSB's TellerScore?
14 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Transpecos Banks, SSB ever failed?
There is no failure record for FDIC certificate #11178 in the FDIC failed bank list.
How many branches does Transpecos Banks, SSB have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pecos
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Westex Community Credit UnionCredit union Kermit, TX | 94 out of 100, Very strong | $231.4M | 15.4% | 0.63% | vs |
| West Texas National BankBank Midland, TX | 60 out of 100, Moderate | $2.9B | 10.5% | 1.67% | vs |