BlastPoint's Banking Scorecard
TIB National Association
Farmers Branch, TX
5 branches across CA · GA · IL · OK · TX
TIB National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 24.0% in tier
- + Delinquency Rate 0.08% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 35.7% in tier
- - Net Interest Margin 1.01% below tier average
- - Efficiency Ratio 3.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+1.0% YoY
+0.9% QoQ
|
+$184.0M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$1.7B
-1.5% YoY
-1.8% QoQ
|
-$228.2M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$2.5B
+1.5% YoY
+0.2% QoQ
|
+$111.9M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
1.34%
-13.0% YoY
-4.0% QoQ
|
-0.02% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
2.81%
+8.1% YoY
+4.9% QoQ
|
-1.01% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio ? |
64.15%
+1.3% YoY
-2.6% QoQ
|
+3.09% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.80%
+93.9% YoY
-10.8% QoQ
|
-0.08% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
70.73%
-3.0% YoY
-2.0% QoQ
|
-13.47% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
20.84%
+10.0% YoY
+10.5% QoQ
|
-0.45% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.59%
+139.5% YoY
+5.0% QoQ
|
-0.08% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
20.45%
+17.0% YoY
+3.6% QoQ
|
+5.29% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 7.2% in tier |
| Non-Interest Income / Assets ? |
0.71%
-5.8% YoY
-76.3% QoQ
|
+0.46% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 4.3% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.