Transpecos Banks Ssb

Summary

Headline KPIs

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

• ×

  Critical· Cliff Drop Alert

  Efficiency Ratio dropped 80 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 80th).
• ×

  Critical· Cliff Drop Alert

  Net Interest Margin dropped 47 percentile points vs prior quarter

  Now ranks at the 11th percentile of peers (was 58th).
• ×

  Critical· Peer Outlier Alert

  NPA / Assets QoQ change is 4.8σ from peer-group average

  Moved from 2.37% to 4.09%; peers averaged a 0.01% change.
• ×

  Critical· Peer Outlier Alert

  NPL / Loans QoQ change is 8.0σ from peer-group average

  Moved from 3.78% to 7.29%; peers averaged a 0.01% change.
• ×

  Critical· Cliff Drop Alert

  Pre-tax NOI / Avg Assets dropped 81 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 81th).
• ×

  Critical· Cliff Drop Alert

  Return on Assets dropped 89 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 90th).
• ×

  Critical· Peer Outlier Alert

  Return on Assets QoQ change is -3.1σ from peer-group average

  Moved from 2.07% to -1.55%; peers averaged a 0.09% change.
• ×

  Critical· Cliff Drop Alert

  Return on Equity dropped 95 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 95th).
• ×

  Critical· Peer Outlier Alert

  Return on Equity QoQ change is -4.4σ from peer-group average

  Moved from 25.55% to -21.30%; peers averaged a 0.79% change.
• ×

  Critical· Peer Outlier Alert

  Texas Ratio (regulatory) QoQ change is 8.8σ from peer-group average

  Moved from 28.03% to 56.61%; peers averaged a 0.04% change.
• !

  Warning· Threshold Crossing Alert

  Brokered deposits exceeded 30% of total deposits (now 32.1%)

  Brokered deposits >30% of total deposits raises funding-stability risk. Bank is at 32.08%.
• !

  Warning· Threshold Crossing Alert

  NPL ratio exceeded 5% (now 7.29%)

  5% NPL ratio is well above industry average; signals deteriorating credit. Bank is at 7.29%.
• !

  Warning· Peer Outlier Alert

  Pre-tax NOI / Avg Assets QoQ change is -2.6σ from peer-group average

  Moved from 2.07% to -1.55%; peers averaged a 0.14% change.
• !

  Warning· Threshold Crossing Alert

  Texas Ratio exceeded 50% (now 56.6%)

  Empirical Texas Ratio >50% has historically preceded distress. Bank is at 56.61%.
• i

  Info· Peer Outlier Alert

  Cash / Assets QoQ change is 2.1σ from peer-group average

  Moved from 18.30% to 27.12%; peers averaged a 0.11% change.
• i

  Info· Peer Outlier Alert

  CET1 / RWA QoQ change is 2.9σ from peer-group average

  Moved from 0.00% to 9.85%; peers averaged a 0.00% change.
• i

  Info· Peer Outlier Alert

  Tier 1 Leverage Ratio QoQ change is 2.9σ from peer-group average

  Moved from 0.00% to 9.85%; peers averaged a 0.01% change.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Methodology

Health Score (0-100)

Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.

Peer group

Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.

Cliff Drop Alert

Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.

Peer Outlier Alert

Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.

Threshold Crossing Alert

Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.

Source

FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 09:06:01 UTC