TBK BANK, SSB
TBK BANK, SSB reported total assets of $7.4 bn at Q2 2026, up 13.9% on a year earlier, the 210th largest of 497 banks in our US coverage. The CET1 capital ratio at TBK BANK, SSB was 11.36%, and the uninsured share of TBK BANK, SSB was 26.37%. Source: FDIC Call Reports.
Key takeaways
- TBK BANK, SSB has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 6.25% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
- At 84.27%, the efficiency ratio of TBK BANK, SSB sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87% (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, TBK BANK, SSB climbed from 440th to 388th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets TBK BANK, SSB apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than TBK BANK, SSB, at 4.16% in ; the group median is 12.68%.
- Since , TBK BANK, SSB has taken over 5 institutions; the latest was The First National Bank of Durango on .
- TBK BANK, SSB reports one of the lowest return on assets (ROA) readings among banks of $1 bn to $10 bn: 0.63% at , where the median of the 339 banks is 1.32%.
How large is TBK BANK, SSB?
The balance sheet of TBK BANK, SSB at : assets $7.4 bn, deposits $6.2 bn, net loans $5.4 bn (loans equal to 87.36% of deposits). Securities make up 3.7% of total assets at TBK BANK, SSB. Since , when TBK BANK, SSB held $1.6 bn, its assets grew 358.1%. In the year to , deposits at TBK BANK, SSB rose 19.8% while its total assets rose 13.9%. At , TBK BANK, SSB employed 1,459 full-time equivalent staff across 64 offices, about $5.1 mn of assets per employee and $97.4 mn of deposits per office.
How much funding at TBK BANK, SSB is uninsured?
At TBK BANK, SSB, uninsured deposits (above the FDIC limit) made up 26.37% of domestic deposits at (-3.45 pp on a year earlier); TBK BANK, SSB ranks 361st of 500 on this measure. In dollars, TBK BANK, SSB estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.2 bn | +19.8% | 201st of 499 |
| Net loans and leases | $5.4 bn | +10.6% | 195th of 500 |
| Loan-to-deposit ratio | 87.36% | -7.23 pp | 246th of 500 |
| Tier 1 leverage ratio | 9.91% | -0.39 pp | 312th of 500 |
| Total risk-based capital ratio | 11.97% | +0.36 pp | 416th of 448 |
| Net interest margin | 6.25% | -0.30 pp | 19th of 500 |
| Return on assets (ROA) | 0.63% | +0.35 pp | 456th of 500 |
| Efficiency ratio | 84.27% | -6.51 pp | 486th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $3.5 mn | Narrowed by $2,000 | |
| Noncurrent loans to total loans | 1.65% | +0.06 pp | 438th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.14% | -0.44 pp | 304th of 500 (1 = lowest) |
US rank of TBK BANK, SSB: 1 = highest unless marked 1 = lowest.
Balance sheet
TBK BANK, SSB: assets, deposits and loans
- Total assets $7.4bn
- Deposits $6.2bn
- Net loans $5.4bn
Capital and securities
The CET1 ratio of TBK BANK, SSB stood at 11.36% in , +0.46 pp year on year. Low and high at TBK BANK, SSB since : 10.45% () to 15.17% (). Equity capital of TBK BANK, SSB at : $1.1 bn, or 14.3% of total assets. TBK BANK, SSB also reported a total capital ratio of 11.97% for , and a tier 1 leverage ratio of 9.91%.
The available-for-sale portfolio of TBK BANK, SSB showed an unrealized loss of $3.5 mn at ; the loss narrowed by $2,000 over the year.
TBK BANK, SSB: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.9%
TBK BANK, SSB: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity $0
Profitability and loan quality
For the year to , TBK BANK, SSB earned a return on equity of 4.16%; return on assets: 0.63%. Net interest margin at TBK BANK, SSB: 6.25%, -0.30 pp in a year. TBK BANK, SSB net income: $21.7 mn, up 151.2% year on year. The efficiency ratio of TBK BANK, SSB was 84.27%: about 84 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 1.65% of total loans at TBK BANK, SSB; net charge-offs: 0.14% of average loans. Gross loans and leases at TBK BANK, SSB: $5.5 bn, up 10.5% in a year.
TBK BANK, SSB: profitability
- Return on equity 4.2%
- Net interest margin 6.3%
- Return on assets 0.6%
Peer group of TBK BANK, SSB
The peer group of TBK BANK, SSB is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of TBK BANK, SSB (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, TBK BANK, SSB shows CET1 ratio 11.36% against a peer median of 12.75%, return on equity 4.16% against a peer median of 14.84% and uninsured deposit share 26.37% against a peer median of 20.47%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Northpointe Bank | State nonmember bank | MI | $7.5 bn | 11.10% | 14.05% | 7.12% | |
| Central Pacific Bank | State member bank | HI | $7.5 bn | 13.44% | 14.16% | 42.17% | |
| Needham Bank | State member bank | MA | $7.4 bn | 11.50% | 9.14% | 28.20% | |
| TBK BANK, SSB | State-chartered stock savings bank | TX | $7.4 bn | 11.36% | 4.16% | 26.37% | |
| Comenity Bank | State nonmember bank | DE | $7.4 bn | 15.53% | 36.37% | 1.04% | |
| Pathward | National bank | SD | $7.3 bn | 12.05% | 23.28% | 12.74% | |
| Lake City Bank | State member bank | IN | $7.2 bn | 14.13% | 15.52% | 57.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at TBK BANK, SSB, to : assets +26.2%, deposits +31.5%, equity +5.5%. Staff 1,530 to 1,459; offices 65 to 64.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.9 bn | $5.9 bn | $6.3 bn | $6.5 bn | $6.4 bn | $6.4 bn | $6.9 bn | $7.4 bn |
| Total deposits | $4.7 bn | $4.8 bn | $5.0 bn | $5.2 bn | $5.0 bn | $5.0 bn | $5.7 bn | $6.2 bn |
| Bank equity capital | $1.0 bn | $987.5 mn | $991.8 mn | $1.0 bn | $1.0 bn | $1.0 bn | $1.0 bn | $1.1 bn |
| CET1 ratio | 15.08% | 14.17% | 14.00% | 10.90% | 11.17% | 11.77% | 11.54% | 11.36% |
| Return on equity (ROE) | 2.73% | 2.74% | 0.89% | 1.74% | 1.66% | 3.31% | 3.30% | 4.16% |
| Uninsured share of domestic deposits | 31.68% | 30.78% | 32.11% | 29.82% | 25.99% | 29.56% | 25.11% | 26.37% |
| Full-time equivalent employees | 1,530 | 1,552 | 1,556 | 1,592 | 1,472 | 1,449 | 1,447 | 1,459 |
| Number of offices | 65 | 65 | 65 | 65 | 65 | 65 | 64 | 64 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of TBK BANK, SSB, oldest first; figures before and after each event are not like for like.
- . Absorbed Triumph Community Bank, National Association (FDIC certificate 57918).
- . Absorbed Colorado East Bank & Trust (FDIC certificate 3027).
- . Absorbed Valley Bank & Trust (FDIC certificate 25651).
- . Absorbed Citizens Bank of Pagosa Springs (FDIC certificate 33511).
- . Absorbed Bank of New Mexico (FDIC certificate 16590).
- . Absorbed The First National Bank of Durango (FDIC certificate 3014).
Large one-quarter moves at TBK BANK, SSB
- Total assets at TBK BANK, SSB changed by +47.5% in the quarter to 2016-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Colorado East Bank & Trust.
Questions and identifiers
What were the total assets of TBK BANK, SSB?
TBK BANK, SSB reported $7.4 bn at in its Call Report. That makes TBK BANK, SSB the 210th largest of 497 banks in our US coverage.
Is TBK BANK, SSB the same as its holding company?
No. This page covers TBK BANK, SSB, FDIC certificate 23498; Triumph Financial, Inc., its holding company, reports separately to the Federal Reserve.
Is TBK BANK, SSB profitable?
TBK BANK, SSB reported net income of $21.7 mn for the year to ; annualized return on equity: 4.16%. So yes: TBK BANK, SSB made a profit over these months.
When is data for TBK BANK, SSB next updated?
Figures from TBK BANK, SSB for are due after .
Where can I check the figures for TBK BANK, SSB?
In the FDIC BankFind Suite record for certificate 23498, and in the Call Reports of TBK BANK, SSB (RSSD ID 766164) at the FFIEC Central Data Repository.