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TIB National Association

$1B-$10B Specialty: Other TX FDIC cert 23647

Farmers Branch, TX

5 branches across CA · GA · IL · OK · TX

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 -3.0% year over year ($2.4B on the books).
  • Delinquency rate 0.85%.
  • Return on assets 1.85%.
  • Efficiency ratio 57.52% vs a 59.73% peer average.
  • Loan-to-deposit ratio 74.33% 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) →

TIB National Association has 3 strengths but faces 2 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

  • + Revenue Diversifier: Top 13.5% in tier
  • + Profitability Leader: Top 32.9% in tier
  • + Efficiency Ratio 2.21% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 47.7% in tier
  • - Net Interest Margin 0.98% below tier average
Get updates when TIB National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $3.0B
-1.2% YoY -1.3% QoQ
+$167.3M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $1.8B
-6.5% YoY +1.2% QoQ
-$204.9M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $2.4B
-3.0% YoY -3.6% QoQ
+$46.8M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.85%
+30.5% YoY +37.5% QoQ
+0.46% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 2.90%
+12.7% YoY +3.2% QoQ
-0.98% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 11.4% in tier
Efficiency Ratio ? 57.52%
-11.6% YoY -10.3% QoQ
-2.21% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.85%
+5.8% YoY +5.6% QoQ
-0.02% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 74.33%
-3.6% YoY +5.1% QoQ
-10.71% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 22.39%
+8.5% YoY +7.4% QoQ
+1.12% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.52%
-18.5% YoY -12.6% QoQ
-0.16% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 20.49%
+19.3% YoY +0.2% QoQ
+5.65% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 6.9% in tier
Non-Interest Income / Assets ? 1.56%
+2.0% YoY +118.2% QoQ
+1.03% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 3.8% in tier

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 22.4%
+1.7pp YoY
+1.6pp QoQ
 +1.0pp 21.4% 29.2% 22.2% 62%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 9.9%
-1.5pp YoY
-0.2pp QoQ
 -4.1pp 14.0% 14.8% 12.5% 44%
CRE 18.3%
+0.5pp YoY
+0.9pp QoQ
 -31.7pp 50.0% 48.4% 41.4% 3%
1-4 Family 26.3%
+1.9pp YoY
-0.1pp QoQ
 -0.2pp 26.4% 25.8% 31.3% 58%
Consumer 3.9%
+0.2pp YoY
+0.1pp QoQ
 -0.8pp 4.7% 4.7% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 20.5%
+3.3pp YoY
0.0pp QoQ
 +4.9pp 15.6% 22.7% 19.7% 92%
Leverage Ratio 13.2%
+0.6pp YoY
+0.3pp QoQ
 +1.9pp 11.3% 12.6% 12.6% 86%
Total Capital Ratio 21.7%
+3.4pp YoY
0.0pp QoQ
 +5.1pp 16.7% 23.8% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 234
-9 (-3.7%) YoY
+4 (+1.7%) QoQ
 -80 313 186 482 49%
Assets per Employee ($) $12.7M
+2.6% YoY
-3.0% QoQ
 +$2.2M $10.5M $10.1M $8.8M 82%
Branch Count 5
0 YoY
0 QoQ
 -15 20 12 18 12%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 57%
Nonaccrual 0.8%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.8% 1.0% 1.0% 66%
Allowance Coverage 1.71x
+7.5% YoY
-8.5% QoQ
 -17.00x 18.71x 18.82x 20.23x 43%
Net Charge-off Rate (YTD) 0.3%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.0%
+2.2pp YoY
+3.4pp QoQ
 +0.4pp 12.6% 13.2% 11.6% 57%
Cost of Funds (YTD) 2.9%
-0.5pp YoY
0.0pp QoQ
 +1.0pp 1.9% 1.6% 1.7% 94%
Net Income ($, YTD) $27.5M
+30.6% YoY
— QoQ
 +$8.3M $19.2M $15.9M $40.4M 80%

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 (2)

Revenue Diversifier

growth
#31 of 222 • Top 13.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.56%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.85%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#74 of 222 • Top 32.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.85%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Concerns (1)

Liquidity Overhang

risk
#83 of 172 • Bottom 47.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.49%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 74.33%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

35
Non-Interest Income / Assets
revenue_mix
Value: 1.56%
Peer Median: 0.53%
#35 of 885 Top 3.8% in $1B-$10B
62
Tier 1 Capital Ratio
capital
Value: 20.49%
Peer Median: 14.84%
#62 of 885 Top 6.9% in $1B-$10B
145
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.39%
#145 of 885 Top 16.3% in $1B-$10B
200
Loan-to-Deposit Ratio
liquidity
Value: 74.33%
Peer Median: 85.04%
#200 of 885 Top 22.5% in $1B-$10B

Top Weaknesses (1 metrics)

785
Net Interest Margin
profitability
Value: 2.90%
Peer Median: 3.87%
#785 of 885 Bottom 11.4% in $1B-$10B
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