TBK Bank, SSB: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
The largest change between Q1 2026 and Q2 2026 was in Modified loans and leases, which rose 6.5% to $81.4M.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $81.4M |
| Modified loans to total loans | 1.49% |
| Non-performing assets excluding restructured loans, to assets | 1.22% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 3.13% |
| Nonaccrual loans to loans | 1.64% |
| Loans 90+ days past due to loans | 0.01% |
| Net charge-off ratio | 0.13% |
| Allowance for credit losses to loans | 0.63% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 1.94% | 2.63% | 0.11% |
| Q4 2023 | 2.97% | 4.07% | 0.53% |
| Q1 2024 | 2.92% | 4.36% | 0.19% |
| Q2 2024 | 2.84% | 4.27% | 0.26% |
| Q3 2024 | 2.79% | 4.88% | 0.34% |
| Q4 2024 | 3.41% | 5.39% | 0.45% |
| Q1 2025 | 2.20% | 3.76% | 0.52% |
| Q2 2025 | 3.10% | 4.23% | 0.66% |
| Q3 2025 | 2.28% | 3.62% | 0.77% |
| Q4 2025 | 1.48% | 2.60% | -0.39% |
| Q1 2026 | 1.47% | 3.22% | 0.15% |
| Q2 2026 | 1.49% | 3.13% | 0.13% |
TBK Bank, SSB loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock TBK Bank, SSB, freeSource: Call Report Schedules RC-C Memoranda and RC-N, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full TBK Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23498) · FFIEC NIC profile (RSSD 766164)