BlastPoint's Banking Scorecard

TBK BANK, SSB

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

Dallas, TX

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

884 banks in the $1B-$10B peer group nationally 80 in TX

TBK BANK, SSB has 1 strength but faces 4 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

- Liquidity Strain: Bottom 44.0% in tier
- Return on Assets 0.85% below tier average
- Efficiency Ratio 27.36% above tier average
- Delinquency Rate 0.89% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$6.9B +9.7% YoY +7.8% QoQ	+$4.1B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 7.6% in tier
Total Loans ?	$5.2B +11.3% YoY +4.1% QoQ	+$3.2B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 6.1% in tier
Total Deposits ?	$5.7B +14.6% YoY +15.3% QoQ	+$3.4B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 7.5% in tier
Return on Assets ?	0.52% +257.4% YoY -2.5% QoQ	-0.85%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 9.3% in tier
Net Interest Margin ?	6.09% -5.9% YoY -7.7% QoQ	+2.27%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 2.5% in tier
Efficiency Ratio ?	88.42% -5.6% YoY +2.0% QoQ	+27.36%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 3.6% in tier
Delinquency Rate ?	1.78% -16.1% YoY +50.4% QoQ	+0.89%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 11.0% in tier
Loan-to-Deposit Ratio ?	90.19% -2.9% YoY -9.7% QoQ	+5.98%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	53.52% +17.5% YoY +38.8% QoQ	+32.24%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 1.5% in tier
Nonperforming Asset Ratio ?	1.48% -5.7% YoY +37.2% QoQ	+0.81%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 11.4% in tier
Tier 1 Capital Ratio ?	11.54% -17.6% YoY -1.9% QoQ	-3.62%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.29% +10.4% YoY -79.0% QoQ	+0.03%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 14.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 86 • 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: 53.52%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.09%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#148 of 334 • Bottom 44.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.19%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 53.52%

Peer Median: 21.29%

#14 of 884 Top 1.5% in $1B-$10B

Net Interest Margin

profitability

Value: 6.09%

Peer Median: 3.82%

#23 of 884 Top 2.5% in $1B-$10B

Total Loans

size

Value: $5.16B

Peer Median: $1.96B

#55 of 884 Top 6.1% in $1B-$10B

Total Deposits

size

Value: $5.72B

Peer Median: $2.34B

#67 of 884 Top 7.5% in $1B-$10B

Total Assets

size

Value: $6.87B

Peer Median: $2.82B

#68 of 884 Top 7.6% in $1B-$10B

132

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.26%

#132 of 884 Top 14.8% in $1B-$10B

Top Weaknesses (5 metrics)

853

Efficiency Ratio

profitability

Value: 88.42%

Peer Median: 61.06%

#853 of 884 Bottom 3.6% in $1B-$10B

803

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.37%

#803 of 884 Bottom 9.3% in $1B-$10B

784

Delinquency Rate

credit_quality

Value: 1.78%

Peer Median: 0.89%

#784 of 880 Bottom 11.0% in $1B-$10B

784

Nonperforming Asset Ratio

credit_quality

Value: 1.48%

Peer Median: 0.67%

#784 of 884 Bottom 11.4% in $1B-$10B

668

Tier 1 Capital Ratio

capital

Value: 11.54%

Peer Median: 15.16%

#668 of 884 Bottom 24.5% in $1B-$10B