TIB, N.A.
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Data as of · sourced from FFIEC call reports. How we update
TIB, N.A. is an FDIC-insured commercial bank headquartered in Farmers Branch, TX, established in 1982 (FDIC certificate 23647), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.96B, down 1.2% from Q2 2025, the 33rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23647
- Headquarters
- Farmers Branch, TX
- Established
- 1982
- Total assets, Q2 2026
- $2.96B
- Assets vs Q2 2025
- -1.2%
- CET1 ratio, Q2 2026
- 20.49%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111010170
- Holding company
- TIB, INC.
- Asset rank in state
- 33rd of 346 in Texas
TIB, N.A., based in Farmers Branch, Texas, reported $3.0 billion in assets at June 30, 2026, down 1.2% from a year earlier. It keeps 2.72 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds common equity equal to 20.49% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Earnings jumped: net income for the quarter was $17 million, 82% above the same quarter a year earlier. Over the same year, loans shrank 6.3% and deposits shrank 3.0%. Funding is the softer spot: it holds most of its deposits (91%) above the FDIC insurance limit, about triple the median of 30.9% for banks its size.
As of June 30, 2026, TIB, N.A. reported a CET1 capital ratio of 20.49%, a return on assets of 2.14%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 3.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, TIB, N.A. is the 33rd largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $2.96B, loans rose 1.2% and deposits fell 3.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.9% of total loans, ahead of loans to nondepository financial institutions at 24.7%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities across 5 states; its Farmers Branch office books 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, TIB, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11701 Luna Rd, Farmers Branch, TX 75234
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 21, 1982
- Former names
- TIB The Independent Bankersbank, National Association (2017-2021); TIB The Independent Bankersbank (1998-2017)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 234
- Domestic deposits
- $2.37B
- Allowance for credit losses
- $25.6M
- Net charge-offs (YTD)
- $2.3M
- Average total assets
- $3.27B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $2.17B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 21, 1982
- FDIC Cert
- 23647
- Fed RSSD
- 529958
- SEC CIK
- 859113 → filed by TIB, INC.
- Website
- www.tib.bank →
- Parent Holding Company
- TIB, INC. (RSSD 1109094)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
TIB, N.A.'s total assets moved between a low of $2.92B (Q2 2024) and a high of $3.00B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.96B total assets against $3.00B; $2.53B total liabilities against $2.60B.
$1.76B net loans and leases against $1.88B; $2.37B total deposits against $2.44B.
$154.9M securities against $129.0M; $901.4M cash and balances due against $845.9M.
$41.3M total interest income against $42.3M; $20.2M total interest expense against $24.3M.
$21.1M net interest income against $18.0M.
$24.7M total noninterest income against $23.3M; $23.6M total noninterest expense against $27.7M.
$276K provision for credit losses against $1.8M.
$17.5M net income against $9.6M.
2.14% return on assets against 1.21%; 2.72% net interest margin against 2.42%.
20.49% CET1 capital ratio against 17.18%; 13.22% tier 1 leverage ratio against 12.59%.
Inside the full TIB, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
TIB, N.A. rankings
Its closest position to the top of a national ranking is 3 of 980, for uninsured deposits; its furthest is 1,749 of 3,640, for Texas Ratio.
Metric pages for TIB, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.09% (Q4 2024) to 2.14% (Q2 2026) and its net interest margin ran from 2.21% (Q3 2024) to 2.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.49% | 2.14% | 0.84% | 3.39% | 2.72% |
| Q1 2026 | 20.45% | 1.23% | 0.79% | 3.95% | 2.59% |
| Q4 2025 | 19.74% | 1.14% | 0.89% | 3.78% | 2.51% |
| Q3 2025 | 18.92% | 1.37% | 0.87% | 4.70% | 2.58% |
| Q2 2025 | 17.18% | 1.21% | 0.79% | 4.49% | 2.42% |
| Q1 2025 | 17.47% | 1.49% | 0.41% | 1.79% | 2.53% |
| Q4 2024 | 17.02% | 1.09% | 0.31% | 1.39% | 2.31% |
| Q3 2024 | 17.03% | 1.34% | 0.33% | 1.43% | 2.21% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tib National Association | Farmers Branch , TX | 75234 | $1.60B |
| Springfield, Il Branch | Springfield , IL | 62704 | $404.1M |
| Georgia Branch | Lawrenceville , GA | 30043 | $217.1M |
| Huntington Beach Branch | Huntington Beach , CA | 92647 | $140.0M |
| Tulsa Branch | Tulsa , OK | 74136 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 30, 2010 | Structure Change | Acquired Bankers Bank Card Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 14, 2010 | Structure Change | Acquired Independent Bankers' Bank Bridge Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 13, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 19, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2007 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TX, rank 80 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 463 applications, 226 loans originated, $60.8M originated, across 28 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about TIB, N.A.
What are TIB, N.A.'s total assets?
As of the Q2 2026 filing, TIB, N.A. reported total assets of $2.96 billion in its FFIEC call report.
Where is TIB, N.A. headquartered?
It is headquartered in Farmers Branch, TX, United States.
When was TIB, N.A. founded?
It was established in 1982, per the FDIC institution directory.
Is TIB, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TIB, N.A.?
TIB, N.A.'s primary federal regulator is the OCC.
What is TIB, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does TIB, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TIB, N.A.'s Texas Ratio?
Its Texas Ratio is 3.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was TIB, N.A. previously called?
The charter now named TIB, N.A. has also operated as TIB The Independent Bankersbank, National Association (2017-2021), TIB The Independent Bankersbank (1998-2017), per FDIC structure-change records.
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