Transpecos Banks SSB (FDIC #11178): Bank Stress & Real-Estate Credit Exposure
Transpecos Banks SSB (FDIC Cert #11178): bank stress 100/100, severe, STABLE over 7 days; parent TRANSPECOS FINANCIAL CORP.
Transpecos Banks SSB (#11178) lends in 3 counties across 1 state; Transpecos Banks SSB (#11178) reaches 88 ZIP codes: Texas 3 counties, 88 ZIPs.
Transpecos Banks SSB (#11178) largest markets: Bexar County, TX (78 branches, 78 ZIPs) (#11178), Brewster County, TX (10 branches, 5 ZIPs) (#11178), Reeves County, TX (5 branches, 5 ZIPs) (#11178).
Transpecos Banks SSB (#11178) reports $972.1 million in total assets; Transpecos Banks SSB (#11178) equity $65.3 million (6.7% of Transpecos Banks SSB (#11178) assets); Transpecos Banks SSB (#11178) domestic deposits $872.0 million; Transpecos Banks SSB (#11178) net income minus $7.8 million; Transpecos Banks SSB (#11178) return on assets -1.57%; Transpecos Banks SSB (#11178) return on equity -22.59%; Transpecos Banks SSB (#11178) net interest income $13.1 million; Transpecos Banks SSB (#11178) call report June 30, 2026.
Transpecos Banks SSB (#11178) noncurrent real-estate loans: none reported; Transpecos Banks SSB (#11178) net charge-offs on real estate 11.75%; Transpecos Banks SSB (#11178) residential charge-offs 41.00%.
Transpecos Banks SSB (#11178) net interest margin 3.13% against an eight-quarter Transpecos Banks SSB (#11178) average of 3.39% (Transpecos Banks SSB (#11178) compression 0.26 points); Transpecos Banks SSB (#11178) non-residential real estate 4099.6% of equity; Transpecos Banks SSB (#11178) rate-exposure score 40/100, Transpecos Banks SSB (#11178) fixed-rate trap 40/100; Transpecos Banks SSB (#11178) risk type credit driven; Transpecos Banks SSB (#11178) rate regime rates elevated, Transpecos Banks SSB (#11178) snapshot October 20, 2026.
Transpecos Banks SSB (#11178) stress score held at 100 across 117 daily snapshots, June 22, 2026 to October 20, 2026.
Transpecos Banks SSB (#11178) alerts: 3 counties; top Transpecos Banks SSB (#11178) alert scores: Pecos County, TX 48 (moderate); Marathon County, TX 31 (low); San Antonio County, TX 31 (low).