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NBID x TransPecos | Case Study

  • Brought to you by NBID
  • Published May 20, 2026

One-Way Sweeping Deposits Drives Fee Income and Balance Sheet Optimization for Community Banks

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About TransPecos Banks

With historic roots in Pecos, TransPecos has served generations of farmers, ranchers, businesses, and communities in the West Texas area since 1924. As a community bank with ~$800mm in deposits, TransPecos has built a strong client base leveraging reciprocal deposits and one-way sweeping excess liquidity.

TransPecos joined the NBID network to take advantage of preferential pricing for member banks, NBID's profit sharing model, and an advantageous one-way sweeping network rate. NBID's one-way sweep solution enables banks to generate fee income from excess deposits while optimizing their balance sheet without losing the customer relationship.

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