Transpecos Banks SSB: Bank Stress & Real-Estate Credit Exposure

At 100/100, Transpecos Banks SSB's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #11178. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

DLRadar does not model Transpecos Banks SSB in isolation: the 88-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Because Transpecos Banks SSB is held under Transpecos Financial Corp, its financials are open to scrutiny and its trend can be independently checked. At the county level, Transpecos Banks SSB finances markets like Bexar County, TX, Brewster County, TX, Reeves County, TX — the specific places where its credit posture translates into local lending capacity. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Transpecos Banks SSB's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Transpecos Banks SSB is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 100/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Its footprint is compact and single-state: 88 ZIP codes in 3 counties over 1 states. It concentrates most in Texas (3 counties). Read against its 3-county reach, a severe score sets the credit tone for every market on its map.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Transpecos Banks SSB tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.