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115 West 3rd Street
Pecos, TX 79772

TransPecos Banks is headquartered in Pecos and is the 314st largest bank in the state of Texas. It is also the 3,982nd largest bank in the nation. It was established in 1924 and as of March of 2014, it had grown to 40 employees at 3 locations. TransPecos Banks' savings rates are 44% higher than the national average, and it has a B+ health rating.

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Rate Change Effective 12/23/11

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


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 TransPecos Banks had $235,000 in non-current loans and owned real-estate with $15.58 million in equity and loan loss allowances on hand to cover it. This gives TransPecos Banks a Texas Ratio of 1.51% 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 dramatically from 4.46% as of March 31, 2013 to 1.51% as of March 31, 2014, resulting in a positive change of 66.16%.This indicates that the balance sheet and financial strength for TransPecos Banks has improved dramatically in recent periods.

Deposit Growth


In the past year, TransPecos Banks has decreased its total deposits by -$21.57 million, resulting in -15.26% 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.



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 $135.09 million in assets with $15.58 million in equity, resulting in a capitalization level of 11.53%, which is excellent.

Institution Statistics

FDIC Certificate #11178
Year Established1924
Primary RegulatorFED
Assets and Liabilities
Assets$135.09 million
Loans$59.64 million
Deposits$119.73 million
Equity Capital$13.93 million
Loan Loss Allowance$1.65 million
Unbacked Noncurrent Loans$73,000
Real Estate Owned$162,000
Historic Data - March 2013
Assets$157.03 million
Equity Capital$14.14 million
Loan Loss Allowance$1.72 million
Unbacked Noncurrent Loans$73,000
Real Estate Owned$363,000
Profit Margin - Quarterly
Net Interest Margin3.91%
Return on Assets0.27%
Return on Equity2.6%
Interest Income$1.26 million

Always verify rates and promotions with the bank or credit union. We are not TransPecos Banks, we are a rate comparison website and can not provide official rates or promotions.

TransPecos Banks Savings Account Rates

0.75%-$10kKasasa Saver - Qualifying
0.02%--Regular Savings Account
0.02%--Kasasa Saver - Non Qualifying

TransPecos Banks Money Market Rates

0.10%$100k-Money Market Investment Account
0.10%$100k-Business Money Market Investment Account

TransPecos Banks Checking Account Rates

0.75%-$10kKasasa Cash - Qualifying
0.02%--Kasasa Cash - Non Qualifying

TransPecos Banks CD Rates

0.70%$1k$100k5 Year CD
0.70%$100k-5 Year Jumbo CD
0.55%$1k$100k4 Year CD
0.55%$1k$100k5 Year Step Up CD
0.55%$100k-4 Year Jumbo CD
0.55%$100k-5 Year Jumbo Step Up CD
0.45%$1k$100k3 Year CD
0.45%$100k-3 Year Jumbo CD
0.40%$1k$100k4 Year Step Up CD
0.40%$100k-4 Year Jumbo Step Up CD
0.30%$1k$100k2 Year CD
0.30%$1k$100k3 Year Step Up CD
0.30%$100k-2 Year Jumbo CD
0.30%$100k-3 Year Jumbo Step Up CD
0.20%$1k$100k1 Year CD
0.20%$1k$100k2 Year Step Up CD
0.20%$100k-1 Year Jumbo CD
0.20%$100k-2 Year Jumbo Step Up CD
0.10%$1k$100k180 Day CD
0.10%$100k-180 Day Jumbo CD
0.03%$1k$100k90 Day CD
0.03%$100k-90 Day Jumbo CD

TransPecos Banks Locations
Transpecos Banks - Alpine Branch108 West Avenue EAlpine, TX 79830
Transpecos Banks - Marathon109 Highway 90Marathon, TX 79842
Transpecos Banks115 West 3rd StreetPecos, TX 79772