TIB, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 17.53 percentage points in Q2 2026, from 197.24% to 179.71%. It was the largest change from Q1 2026 among the key lines here. Within Texas, TIB, N.A. is 51st of 345 on return on assets, 2.14% as of Q2 2026, above the middle of the field. TIB, N.A.'s return on assets of 2.14% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.86 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.49% |
| Tier 1 risk-based capital ratio | 20.49% |
| Total risk-based capital ratio | 21.75% |
| Tier 1 leverage ratio | 13.22% |
| Equity capital to assets | 14.60% |
| Tangible equity to tangible assets | 14.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 3.39% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 179.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.14% |
| Return on equity | 16.37% |
| Net interest margin | 2.72% |
| Efficiency ratio | 51.05% |
| Yield on earning assets | 5.28% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.41% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.91% |
| Securities to assets | 5.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.13% | 16.13% | 17.38% | 11.63% | 1.02% |
| Q4 2023 | 16.58% | 16.58% | 17.81% | 11.43% | 2.26% |
| Q1 2024 | 17.01% | 17.01% | 18.26% | 11.44% | 1.56% |
| Q2 2024 | 17.31% | 17.31% | 18.55% | 12.29% | 1.23% |
| Q3 2024 | 17.03% | 17.03% | 18.20% | 12.79% | 1.34% |
| Q4 2024 | 17.02% | 17.02% | 18.15% | 12.28% | 1.09% |
| Q1 2025 | 17.47% | 17.47% | 18.64% | 12.77% | 1.49% |
| Q2 2025 | 17.18% | 17.18% | 18.33% | 12.59% | 1.21% |
| Q3 2025 | 18.92% | 18.92% | 20.17% | 12.66% | 1.37% |
| Q4 2025 | 19.74% | 19.74% | 20.99% | 12.56% | 1.14% |
| Q1 2026 | 20.45% | 20.45% | 21.70% | 12.94% | 1.23% |
| Q2 2026 | 20.49% | 20.49% | 21.75% | 13.22% | 2.14% |
TIB, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock TIB, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 TIB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23647) · FFIEC NIC profile (RSSD 529958)