Average User Rating:
2 star rating based on 1 review.

TransPecos Banks

115 West 3rd Street
Pecos, TX 79772
432-445-9000
www.transpecosbanks.com

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TransPecos Banks is headquartered in Pecos and is the 324^th largest bank in the state of Texas. It is also the 4,157^th largest bank in the nation. It was established in 1924 and as of December of 2012, it had grown to 45 employees at 3 locations. TransPecos Banks' savings rates are 63% higher than the national average, and it has a 4-star health rating.

TransPecos Banks Routing Number: 112320788

Big Rate Cuts On Kasasa Cash & Saver At Transpecos Banks (Forum) - 9/17/2011

A reader just forwarded me a scan of a letter he received from his bank, TransPecos in Texas. The letter informed him that on 10/15/2011 the following rate cuts take effect: NEW rates and caps Kasasa Cash (reward checking) 2.50% APY up to $10,000 1.0

Best Reward Checking Accounts in Houston and in Texas - 4/19/2011

If you live in the Houston metro area, you have access to some top reward checking accounts. Just like in other areas of the country, there have been a few reward checking accounts in Houston that hav ...

Finding the Best Reward Checking and Savings Account Pair - 1/28/2011

One downside of reward checking accounts is the balance cap. This can be a major issue for someone who has a lot of liquid savings. In today's interest rate environment, liquid savings may be increasi ...

High-Yield Reward Checking & Savings Accounts at TransPecos Banks - Available in Texas - 6/22/2010

TransPecos Banks is offering a high-yield reward checking account and a companion savings account under the Kasasa brand. The checking account is called Kasasa Cash , and it has the following rates an ...

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See Rates for: Checking | Savings | Money Market | CD

TransPecos Banks Checking Account Rates

	Apy	Min	Max	Product
	1.36%	-	$10k	Kasasa Cash

TransPecos Banks Savings Account Rates

Apy	Min	Max	Product
0.85%	-	$10k	Kasasa Saver
0.05%	-	-	Regular Savings Account

TransPecos Banks Money Market Rates

Apy	Min	Max	Product
0.20%	$100k	-	Money Market Investment Account
0.20%	$100k	-	Business Money Market Investment Account

TransPecos Banks CD Rates

Apy	Min	Max	Product
1.15%	$1k	$100k	5 Year CD
1.15%	$1k	$100k	5 Year Step Up CD
1.15%	$100k	-	5 Year Jumbo CD
1.15%	$100k	-	5 Year Jumbo Step Up CD
0.90%	$1k	$100k	4 Year CD
0.90%	$1k	$100k	4 Year Step Up CD
0.90%	$100k	-	4 Year Jumbo CD
0.90%	$100k	-	4 Year Jumbo Step Up CD
0.70%	$1k	$100k	3 Year CD
0.70%	$1k	$100k	3 Year Step Up CD
0.70%	$100k	-	3 Year Jumbo CD
0.70%	$100k	-	3 Year Jumbo Step Up CD
0.50%	$1k	$100k	2 Year CD
0.50%	$1k	$100k	2 Year Step Up CD
0.50%	$100k	-	2 Year Jumbo CD
0.50%	$100k	-	2 Year Jumbo Step Up CD
0.30%	$1k	$100k	1 Year CD
0.30%	$100k	-	1 Year Jumbo CD
0.20%	$1k	$100k	180 Day CD
0.20%	$100k	-	180 Day Jumbo CD
0.10%	$1k	$100k	90 Day CD
0.10%	$100k	-	90 Day Jumbo CD

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

TransPecos Banks
FDIC Certificate #	11178
BankRate Report	View
Year Established	1924
Employees	45
Primary Regulator	FED
Assets and Liabilities
Assets	$131.46 million
Loans	$72.73 million
Deposits	$115.31 million
Equity Capital	$14.83 million
Loan Loss Allowance	$1.72 million
Unbacked Noncurrent Loans	$622,000
Real Estate Owned	$406,000
Historic Data - December 2011
Assets	$153.49 million
Equity Capital	$12.47 million
Loan Loss Allowance	$1.70 million
Unbacked Noncurrent Loans	$781,000
Real Estate Owned	$548,000
Profit Margin - Quarterly
Net Interest Margin	4.01%
Return on Assets	0.42%
Return on Equity	3.97%
Interest Income	$5.62 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 TransPecos Banks had $1.03 million in non-current loans and owned real-estate with $16.55 million in equity and loan loss allowances on hand to cover it. This gives TransPecos Banks a Texas Ratio of 6.21% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for TransPecos Banks decreased slightly from 9.47% as of December 31, 2011 to 6.21% as of December 31, 2012, resulting in a positive change of 34.39%.This indicates that the balance sheet and financial strength for TransPecos Banks has improved slightly in recent periods.
Deposit Growth
In the past year, TransPecos Banks has decreased its total deposits by -$24.18 million, resulting in -17.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth TransPecos Banks has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. TransPecos Banks has $131.46 million in assets with $16.55 million in equity, resulting in a capitalization level of 12.59%, which is excellent.

Rate Change Effective 12/23/11
2 stars

- txtooker - Monday, December 5, 2011 - 1:46 PM

Checking is changing to the following:

1.36% APY on qualifying balances up to $10K

0.25% APY on qualifying balances above $10K

0.05% APY on all non-qualifying balances

Savings is changing to the following:

0.85% APY on qualifying balances up to $10K

0.25% APY on qualifying balances above $10K

0.05% APY on all non-qualifying balances

TransPecos Banks

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