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Transpecos Banks Ssb

IDRSSD: 908861
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
56
/ 100
WatchAs of 2025-Q3QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #908861 2025-Q3 Vital Signs Score: 56/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ -1
80
Sub-score

Liquidity is stable: brokered 34.9%, loans/deposits 70.1%, cash 15.0% of assets.

Cash / Assets
15.05%
Loans / Deposits
70.15%
Brokered %
34.89%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.9% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -2
43
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.21%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.21%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ +7
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.43%, Texas Ratio 24.8%, NCO YTD 1.19%.

Adjusted NPL
3.43%
Govt-guarantees stripped
Texas Ratio
24.8%
NCO YTD
1.19%
30-89 PD
1.50%
Band 0.3% / 3.0%
90+ PD
1.03%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.43% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.03%.
  • infoNet charge-offs elevated — NCO YTD 1.19% of loans.

Reserves

RiskQoQ -12
13
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 26.6%, true coverage 24.5%.

ALLL / Loans
0.90%
Coverage
26.6%
True Loss Coverage
24.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.5% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:05:35 UTC