TIB, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks TIB, N.A. of Farmers Branch, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.14% | 1.46% | +0.68% | 90th top |
| ROAE | 16.37% | 12.71% | +3.66% | 79th top |
| Net Interest Margin | 2.72% | 3.85% | -1.13% | 7th bottom |
| Efficiency Ratio | 51.05% | 57.41% | -6.36% | 73rd above |
| PPNR / Avg Assets | 2.70% | 1.88% | +0.82% | 91st top |
| Yield on Earning Assets | 5.28% | 5.72% | -0.44% | 34th below |
| Cost of Funds | 2.89% | 2.01% | +0.88% | 11th bottom |
| Net Interest Spread | 1.26% | 3.18% | -1.92% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 1.00% | -0.20% | 40th below |
| NPA / Total Assets | 0.49% | 0.76% | -0.27% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.25% | 0.43% | -0.18% | 17th bottom |
| ACL / Total Loans | 1.44% | 1.31% | +0.13% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 179.71% | 543.78% | -364.07% | 51st above |
| Texas Ratio | 3.39% | 7.39% | -4.00% | 61st above |
| Provision / NCO | 118.06% | 619.28% | -501.22% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.49% | 17.33% | +3.16% | 92nd top |
| Tier 1 Ratio | 20.49% | 17.36% | +3.13% | 92nd top |
| Total Capital Ratio | 21.75% | 18.41% | +3.34% | 92nd top |
| Leverage Ratio | 13.22% | 11.43% | +1.79% | 86th top |
| Equity / Assets | 14.60% | 11.33% | +3.27% | 92nd top |
| TCE / Tangible Assets | 14.41% | 10.50% | +3.91% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.41% | 86.97% | -11.56% | 78th top |
| Core Deposit Ratio | 100.00% | 85.54% | +14.46% | 100th top |
| Uninsured Deposit Ratio | 91.45% | 33.05% | +58.40% | 0th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.82% | 5.70% | -0.88% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.24% | 9.69% | -10.93% | 11th bottom |
| Loan Growth (Y/Y) | -6.29% | 8.07% | -14.36% | 4th bottom |
| Deposit Growth (Y/Y) | -2.99% | 7.88% | -10.87% | 8th bottom |
See TIB, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock TIB, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full TIB, N.A. profile, how to read a UBPR, or how this data updates.