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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Transpecos Banks SSB

Pecos, Texas · $972M in assets · beside the 11 other Texas banks between $300M and $1B

The filing

6.7%
Equity / assets
12th of 12
8.15%
NPA / loans
12th of 12
9.4%
CRE / loans
1st of 12

Transpecos Banks SSB is the fifth largest of the 12 Texas banks nearest its size between $300M and $1B, with $972M in assets at 30 June 2026. Loans are 75.6% of deposits, 5th of 12 against a median of 81.6%, and equity is 6.7% of assets, the lowest in the cohort. Loans grew +17.2% in the year, 3rd of 12, and deposits grew 10.6%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 8.15% of the book, the highest in the cohort against a median of 0.50%; 1.23% is 30 to 89 days past due, and the allowance covers them 0.1 times. Commercial real estate is 9.4% of loans, the lowest in the cohort against a median of 39.8%, and 88% of capital, below the 300% screen, with construction at 30% against the 100% screen.

Return on assets is -1.59%, the lowest in the cohort against a median of 1.39%, on an efficiency ratio of 146.4%, the highest in the cohort. Five years ago it was 1.12%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Commercial real estate, share of loansTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 39.8% TB Transpecos Banks SSB 9.4% TP Tolleson Private Bank 11.5% RT Round Top State Bank 29.4% WB Western Bank 29.9% TH Texas Heritage National Bank 36.1% FN First National Bank of Granbury 37.4% TB Titan Bank N A 42.2% FN First National Bank & Trust Co. of Weatherford 43.6% HB Hometown Bank National Association 48.4% NN Newfirst National Bank 50.4% CB Ciera Bank 56.1% TB Texas Bank 56.4%
Loans, year over yearTX banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.7% TB Titan Bank N A +24.1% WB Western Bank +18.2% TB Transpecos Banks SSB +17.2% CB Ciera Bank +13.1% HB Hometown Bank National Association +7.1% FN First National Bank of Granbury +6.2% TB Texas Bank +5.1% RT Round Top State Bank +4.1% TP Tolleson Private Bank +1.0% NN Newfirst National Bank -1.5% TH Texas Heritage National Bank -2.6% FN First National Bank & Trust Co. of Weatherford -19.5%

SBA 7(a), FY2008 to FY2026

Transpecos Banks SSB is the 81st largest 7(a) lender into Texas of 706, with $121M across 86 loans, 0.3% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 25 of its 41 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bexar, TX$27M19th of 2371.3%+0.7 pts
Harris, TX$23M68th of 3140.3%thin
Brewster, TX$10M1st of 1047.9%-13.5 pts
Montgomery, TX$6M38th of 1650.5%thin
Jeff Davis, TX$5M1st of 670.8%quiet FY2022
Summit, OH$5M37th of 1060.6%quiet FY2021
Victoria, TX$5M9th of 473.9%thin
Kendall, TX$4M10th of 513.7%quiet FY2015
Collin, TX$4M116th of 2610.1%-0.2 pts
Nassau, NY$4M79th of 1710.2%quiet FY2021
Williamson, TX$3M77th of 1810.3%quiet FY2015
Travis, TX$3M114th of 2390.1%thin
Volusia, FL$3M54th of 1370.5%thin
28 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services25$53M37.8%0.07%214th of 2,596
Health care & social assistance21$23M16.2%0.05%239th of 2,172
Manufacturing12$21M15.3%0.05%287th of 2,246
Retail trade11$11M8.0%0.02%452nd of 2,589
Other services6$7M5.1%0.02%430th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Transpecos Banks SSB
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans TB Transpecos Banks, SSB 0.3% $121M · 86 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Transpecos Banks SSBRankCohort median
Total CRE against capital, the 300% screen88%1st of 12241%
Construction against capital, the 100% screen30%2nd of 1284%
Construction and land development, share of loans3.1%2nd of 1214.3%
Non-owner-occupied nonfarm nonresidential, share of loans4.1%2nd of 1218.2%
Total CRE, the guidance definition, share of loans9.4%1st of 1239.8%
CRE growth over 36 months, the third prong-30.0%3rd of 12+16.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ciera Bank$993M1.5%58.3%1.22%0.21%1.6%87.9%11.2%
Hometown Bank National Association$990M1.1%59.3%0.04%0.01%1.1%78.3%9.5%
Tolleson Private Bank$982M1.6%61.1%0.00%0.00%1.0%88.6%8.7%
Round Top State Bank$974M1.2%50.1%0.36%0.00%0.9%68.9%10.4%
Transpecos Banks SSB$972M-1.6%146.4%8.15%0.00%1.0%75.6%6.7%
First National Bank & Trust Co. of Weatherford$968M0.5%88.4%5.51%0.28%1.3%57.3%9.9%
Texas Bank$954M1.2%64.9%0.46%0.52%1.1%84.9%10.6%
Western Bank$947M1.9%62.9%0.31%0.00%1.2%97.0%8.9%
First National Bank of Granbury$946M1.3%58.1%0.78%0.01%1.2%63.6%11.1%
Texas Heritage National Bank$936M1.4%63.6%1.27%0.04%1.3%99.0%10.1%
Newfirst National Bank$935M3.3%39.5%0.21%0.01%1.4%85.8%12.4%
Titan Bank N A$896M7.3%11.8%0.54%0.00%1.2%54.4%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Transpecos Banks SSBCohort median
20212026Change20212026Change
Loans$399M$659M+65%$447M$697M+56%
Deposits$311M$872M+180%$717M$846M+18%
NPA / loans1.58%8.15%+6.56 pts0.37%0.50%+0.13 pts
Efficiency73.7%146.4%+72.7 pts57.8%60.2%+2.4 pts
ROA1.12%-1.59%-2.72 pts1.48%1.39%-0.09 pts

This read was prepared for Transpecos Banks SSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Transpecos Banks SSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $300M to $1B
Institution www.transpecos.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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