BanksTIB, NATIONAL ASSOCIATION

TIB, NATIONAL ASSOCIATION

FARMERS BRANCH, TXLargeEst. Jan. 21, 1982, midnightFDIC #23647RSSD #529958OCC
Latest · 2025-12-31

TIB, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 19.74%, well above regulatory minimums. NPL ratio: 0.87% · Texas Ratio: 3.69%. Operates 5 domestic branches.

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 Margin2.88%
Yield on Assets6.28%
Cost of Funds3.79%

Asset Quality

NPL Ratio0.87%
Net Charge-Off Ratio0.19%
Texas Ratio3.69%
NPA Ratio0.55%
ACL / Loans1.40%

Capital & Liquidity

CET1 Ratio19.74%
Tier 1 Capital19.74%
Total Capital Ratio20.99%
Leverage Ratio12.56%
Loan-to-Deposit73.22%

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