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TBK BANK, SSB

$1B-$10B Specialty: Commercial TX FDIC cert 23498

Dallas, TX

64 branches across CO · IL · IA · TX · KS · NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +19.8% year over year ($6.2B on the books).
  • Delinquency rate 1.66%.
  • Return on assets 0.63%.
  • Efficiency ratio 84.27% vs a 59.73% peer average.
  • Loan-to-deposit ratio 87.36% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

TBK BANK, SSB has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 1.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 48.5% in tier
  • - Efficiency Ratio 24.54% above tier average
  • - ROA 0.76% below tier average
Get updates when TBK BANK, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $7.4B
+13.9% YoY +7.7% QoQ
+$4.6B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 5.8% in tier
Total Loans ? $5.4B
+10.6% YoY +5.5% QoQ
+$3.5B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 4.7% in tier
Total Deposits ? $6.2B
+19.8% YoY +9.0% QoQ
+$3.9B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 4.9% in tier
Return on Assets ? 0.63%
+127.5% YoY +22.1% QoQ
-0.76% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 10.8% in tier
Net Interest Margin ? 6.25%
-4.6% YoY +2.6% QoQ
+2.38% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 1.9% in tier
Efficiency Ratio ? 84.27%
-7.2% YoY -4.7% QoQ
+24.54% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 3.7% in tier
Delinquency Rate ? 1.66%
+3.5% YoY -6.7% QoQ
+0.80% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 13.0% in tier
Loan-to-Deposit Ratio ? 87.36%
-7.6% YoY -3.1% QoQ
+2.32% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 60.90%
+37.7% YoY +13.8% QoQ
+39.63% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 0.9% in tier
Nonperforming Asset Ratio ? 1.22%
-2.0% YoY -17.5% QoQ
+0.55% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 11.36%
+4.2% YoY -1.6% QoQ
-3.49% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.56%
+2.1% YoY +93.8% QoQ
+0.03% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 60.9%
+16.7pp YoY
+7.4pp QoQ
 +39.5pp 21.4% 29.2% 22.2% 99%
Brokered Deposits 4.1%
-12.3pp YoY
-5.0pp QoQ
 -5.4pp 9.5% 8.0% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 59.5%
+9.1pp YoY
+5.6pp QoQ
 +45.5pp 14.0% 14.8% 12.5% 99%
CRE 15.8%
-4.1pp YoY
-2.3pp QoQ
 -34.2pp 50.0% 48.4% 41.4% 2%
1-4 Family 3.8%
+0.3pp YoY
+0.1pp QoQ
 -22.6pp 26.4% 25.8% 31.3% 5%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -4.4pp 4.7% 4.7% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 11.4%
+0.5pp YoY
-0.2pp QoQ
 -4.2pp 15.6% 22.7% 19.7% 15%
Leverage Ratio 9.9%
-0.4pp YoY
-0.8pp QoQ
 -1.4pp 11.3% 12.6% 12.6% 34%
Total Capital Ratio 12.0%
+0.4pp YoY
-0.2pp QoQ
 -4.7pp 16.7% 23.8% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 1,459
-133 (-8.4%) YoY
+12 (+0.8%) QoQ
 +1,145 313 186 482 100%
Assets per Employee ($) $5.1M
+24.3% YoY
+6.8% QoQ
 -$5.4M $10.5M $10.1M $8.8M 4%
Branch Count 64
-1 (-1.5%) YoY
0 QoQ
 +44 20 12 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 31%
Nonaccrual 1.7%
+0.5pp YoY
-0.1pp QoQ
 +0.8pp 0.8% 1.0% 1.0% 88%
Allowance Coverage 0.38x
-21.5% YoY
+3.4% QoQ
 -18.33x 18.71x 18.82x 20.23x 4%
Net Charge-off Rate (YTD) 0.1%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 4.2%
+2.4pp YoY
+0.9pp QoQ
 -8.4pp 12.6% 13.2% 11.6% 6%
Cost of Funds (YTD) 1.3%
0.0pp YoY
+0.3pp QoQ
 -0.6pp 1.9% 1.6% 1.7% 13%
Net Income ($, YTD) $21.7M
+151.2% YoY
— QoQ
 +$2.5M $19.2M $15.9M $40.4M 72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#2 of 80 • Top 1.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 60.90%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.25%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Credit Risk Growth

risk
#196 of 402 • Bottom 48.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

9
Non-Interest-Bearing Deposit Share
funding
Value: 60.90%
Peer Median: 21.27%
#9 of 885 Top 0.9% in $1B-$10B
18
Net Interest Margin
profitability
Value: 6.25%
Peer Median: 3.87%
#18 of 885 Top 1.9% in $1B-$10B
43
Total Loans
size
Value: $5.44B
Peer Median: $1.96B
#43 of 885 Top 4.7% in $1B-$10B
44
Total Deposits
size
Value: $6.23B
Peer Median: $2.32B
#44 of 885 Top 4.9% in $1B-$10B
52
Total Assets
size
Value: $7.40B
Peer Median: $2.79B
#52 of 885 Top 5.8% in $1B-$10B
146
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.53%
#146 of 885 Top 16.4% in $1B-$10B

Top Weaknesses (5 metrics)

853
Efficiency Ratio
profitability
Value: 84.27%
Peer Median: 59.73%
#853 of 885 Bottom 3.7% in $1B-$10B
790
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.39%
#790 of 885 Bottom 10.8% in $1B-$10B
768
Delinquency Rate
credit_quality
Value: 1.66%
Peer Median: 0.87%
#768 of 882 Bottom 13.0% in $1B-$10B
747
Nonperforming Asset Ratio
credit_quality
Value: 1.22%
Peer Median: 0.67%
#747 of 885 Bottom 15.7% in $1B-$10B
677
Tier 1 Capital Ratio
capital
Value: 11.36%
Peer Median: 14.84%
#677 of 885 Bottom 23.6% in $1B-$10B
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