TIB, NATIONAL ASSOCIATION

FARMERS BRANCH, TX | Large | Est. Jan. 21, 1982, midnight | FDIC #23647 | RSSD #529958 | OCC
Latest Report: 2025-12-31

TIB, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in FARMERS BRANCH, TX, established in Jan. 21, 1982, midnight. As of 2025-12-31, the bank reported total assets of $3.0B and total deposits of $2.5B. Profitability stands at 1.28% ROA and 9.19% ROE, with a net interest margin of 2.88%. The bank's CET1 capital ratio is 19.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.87% and a Texas Ratio of 3.69%. FDIC Certificate #23647.

Assets

$3.0B

Deposits

$2.5B

Loans

$1.8B

Equity

$417M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 9.19%
Net Interest Margin (NIM) 2.88%
Yield on Assets 6.28%
Cost of Funds 4.68%

Asset Quality

NPL Ratio 0.87%
Net Charge-Off Ratio 0.19%
Texas Ratio 3.69%
NPA Ratio 0.55%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 19.74%
Tier 1 Capital 19.74%
Total Capital Ratio 20.99%
Leverage Ratio 12.56%
Loan-to-Deposit 73.22%

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