Transpecos Banks, SSB: how it compares with its peers
Against 109 TX banks with half to twice its assets, Transpecos Banks, SSB's strongest measure in Q2 2026 is assets per employee ($8.5M vs. a $8.2M peer median). Its weakest relative measure is return on assets (-1.57% vs. 1.42%).
| Measure | Transpecos Banks, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.57% | 1.42% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.13% | 4.14% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 146.40% | 60.19% | Bottom third Ahead of 1% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $8.2M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.86% | 77.81% | Context |
What it means for lending operations
Its efficiency ratio of 146.40% is above the 60.19% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Round Top State Bank Round Top, TX · $974M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Tolleson Private Bank Dallas, TX · $982M
- Texas Bank Henderson, TX · $954M
- HomeTown Bank, National Association Galveston, TX · $990M
- Ciera Bank Graham, TX · $993M
Questions about Transpecos Banks, SSB
How big is Transpecos Banks, SSB?
Transpecos Banks, SSB, established in 1924, is headquartered in Pecos, TX. It reported $972M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Transpecos Banks, SSB's return on assets?
-1.57% annualized in Q2 2026, against a 1.42% median for 109 TX banks with half to twice its assets, ahead of 1% of them.
What is Transpecos Banks, SSB's efficiency ratio?
146.40% in Q2 2026: it spent about 146 cents in noninterest expense for each dollar of revenue. The peer median is 60.19%, and lower is better.
Is Transpecos Banks, SSB growing its loans?
Net loans grew 17.5% over the year to Q2 2026, while deposits grew 10.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.