TBK Bank, SSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
TBK Bank, SSB is the primary bank subsidiary of its parent holding company, headquartered in Dallas, TX. As of Q2 2026, the bank held approximately $7.4B in total assets and $6.2B in deposits. Profitability tracks the broader industry: ROA 0.73%, ROE 5.02%, NIM 6.16%. Regulatory capital is solid, 11.36% CET1 and 11.97% total risk-based capital ratio. Credit metrics show stress, 3.13% NPLs and a 24.81% Texas Ratio above the 100% historical failure threshold. Its footprint covers 64 branches concentrated in Texas.
As of June 30, 2026, TBK Bank, SSB reported a CET1 capital ratio of 11.36%, a return on assets of 0.73%, a nonperforming-loan ratio of 3.13%, a Texas ratio of 24.81%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 12700 Park Central Dr, Dallas, TX 75251
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 15, 1981
- Former names
- Triumph Savings Bank, SSB (2010-2015); Equity Bank,SSB (2004-2010)
- Offices
- 64 domestic
- Employees (FTE)
- 1,459
- Domestic deposits
- $6.23B
- Allowance for credit losses
- $34.8M
- Net charge-offs (YTD)
- $3.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 15, 1981
- FDIC Cert
- 23498
- Fed RSSD
- 766164
- SEC CIK
- 1539638 → filed by TRIUMPH FINANCIAL, INC.
- Website
- www.tbkbank.com →
- Parent Holding Company
- TRIUMPH FINANCIAL, INC. (RSSD 3233126) · TFIN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Graft Aaron P | CEO | President & CEO |
| Voss William B. | CFO | Chief Financial Officer |
| Schreyer Edward Joseph | COO | EVP, Chief Operating Officer |
| Ritterbusch Todd | PRES | President - TBK Bank, SSB |
| Nelson Adam D | GC | EVP and General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full TBK Bank, SSB terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock TBK Bank, SSB, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
TBK Bank, SSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for TBK Bank, SSB: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.36% | 0.73% | 3.13% | 24.81% | 6.16% |
| Q1 2026 | 11.54% | 0.52% | 3.22% | 26.50% | 6.02% |
| Q4 2025 | 11.77% | 1.29% | 2.60% | 21.23% | 6.45% |
| Q3 2025 | 11.17% | 0.24% | 3.62% | 28.44% | 6.38% |
| Q2 2025 | 10.90% | 0.40% | 4.23% | 37.01% | 6.45% |
| Q1 2025 | 14.00% | 0.15% | 3.76% | 26.06% | 6.44% |
| Q4 2024 | 14.17% | 0.46% | 5.39% | 35.07% | 6.76% |
| Q3 2024 | 15.08% | 0.56% | 4.88% | 29.91% | 6.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 62 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| TBK Bank, SSB (main office) | Dallas , TX | 75251 | $3.37B |
| Sherry Lane Branch | Dallas , TX | 75225 | $483.8M |
| Durango Branch | Durango , CO | 81301 | $242.4M |
| Grants Branch | Grants , NM | 87020 | $162.1M |
| Bettendorf Branch | Bettendorf , IA | 52722 | $123.6M |
| Elgin Branch | Elgin , IL | 60124 | $99.9M |
| 30 North 4th Branch | Brighton , CO | 80601 | $93.7M |
| Keenesburg Branch | Keenesburg , CO | 80643 | $82.9M |
| Bayfield Office Branch | Bayfield , CO | 81122 | $71.5M |
| Morrison Branch | Morrison , IL | 61270 | $52.8M |
| 42nd St. Branch | East Moline , IL | 61244 | $52.1M |
| Brighton Bromley Lane Branch | Brighton , CO | 80601 | $48.5M |
| Stratton Branch | Stratton , CO | 80836 | $46.3M |
| 6171 North Washington Branch | Denver , CO | 80216 | $44.8M |
| Mead Branch | Mead , CO | 80542 | $44.0M |
| Carbon Valley Branch | Dacono , CO | 80514 | $43.3M |
| Jersey Ridge Branch | Davenport , IA | 52807 | $42.4M |
| Buena Vista Branch | Buena Vista , CO | 81211 | $41.9M |
| Strasburg Branch | Strasburg , CO | 80136 | $41.7M |
| Pagosa Springs Branch | Pagosa Springs , CO | 81147 | $40.5M |
| Fairplay Branch | Fairplay , CO | 80440 | $40.1M |
| La Salle Branch | La Salle , CO | 80645 | $39.6M |
| Hudson Branch | Hudson , CO | 80642 | $38.6M |
| Fortino Branch | Pueblo , CO | 81008 | $38.2M |
| 1523 Eighth Street Branch | East Moline , IL | 61244 | $37.2M |
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 |
|---|---|---|---|
| January 1, 2025 | Structure Change | Acquired Triumph Financial Services LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 8, 2018 | Structure Change | Acquired The First National Bank of Durango Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 2017 | Structure Change | Acquired Valley Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2016 | Structure Change | Acquired Colorado East Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Structure Change | Acquired Triumph Community Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for TBK Bank, SSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 42 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 284 applications, 106 loans originated, $41.7M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about TBK Bank, SSB
What are TBK Bank, SSB's total assets?
As of the Q2 2026 filing, TBK Bank, SSB reported total assets of $7.40 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is TBK Bank, SSB headquartered?
TBK Bank, SSB is headquartered in Dallas, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was TBK Bank, SSB founded?
TBK Bank, SSB was established in 1981, per the FDIC institution directory.
Is TBK Bank, SSB FDIC-insured?
Yes. TBK Bank, SSB is an FDIC-insured commercial bank (FDIC Certificate #23498). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TBK Bank, SSB?
TBK Bank, SSB's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is TBK Bank, SSB's CET1 capital ratio?
TBK Bank, SSB reported a Common Equity Tier 1 (CET1) capital ratio of 11.36% in its Q2 2026 call report, above regulatory requirements.
How many branches does TBK Bank, SSB operate?
TBK Bank, SSB operates 64 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TBK Bank, SSB's Texas Ratio?
TBK Bank, SSB's Texas Ratio is 24.81% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was TBK Bank, SSB previously called?
The charter now named TBK Bank, SSB has also operated as Triumph Savings Bank, SSB (2010-2015), Equity Bank,SSB (2004-2010), per FDIC structure-change records.
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