TIB
TIB reported total assets of $3.0 bn at Q2 2026, down 1.2% on a year earlier, the 426th largest of 497 banks in our US coverage. The CET1 capital ratio at TIB was 20.49%, and the uninsured share of TIB was 91.45%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, TIB climbed from 385th to 280th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- TIB has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 91.45% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
- At 20.49%, the common equity tier 1 (CET1) ratio of TIB sits in the top tenth of its size group ($1 bn to $10 bn, 287 banks), where the median is 13.22% (FDIC Call Reports).
What sets TIB apart
- Over the year to , the net loans and leases of TIB fell by 6.5% to $1.8 bn, a bigger fall than at 95% of covered banks.
How large is TIB?
The balance sheet of TIB at : assets $3.0 bn, deposits $2.4 bn, net loans $1.8 bn (loans equal to 74.33% of deposits). Securities make up 5.2% of total assets at TIB. Since , when TIB held $2.7 bn, its assets grew 10.4%. In the year to , deposits at TIB fell 3.0% while its total assets fell 1.2%. At , TIB employed 234 full-time equivalent staff across 5 offices, about $12.7 mn of assets per employee and $473.1 mn of deposits per office.
How much funding at TIB is uninsured?
At TIB, uninsured deposits (above the FDIC limit) made up 91.45% of domestic deposits at (-0.57 pp on a year earlier); TIB ranks 6th of 500 on this measure. In dollars, TIB estimated $2.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | -3.0% | 449th of 499 |
| Net loans and leases | $1.8 bn | -6.5% | 466th of 500 |
| Loan-to-deposit ratio | 74.33% | -2.75 pp | 392nd of 500 |
| Tier 1 leverage ratio | 13.22% | +0.63 pp | 50th of 500 |
| Total risk-based capital ratio | 21.75% | +3.42 pp | 28th of 448 |
| Net interest margin | 2.90% | +0.33 pp | 421st of 500 |
| Return on assets (ROA) | 1.85% | +0.43 pp | 70th of 500 |
| Efficiency ratio | 57.52% | -7.58 pp | 280th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $7.0 mn | Narrowed by $987,000 | |
| Noncurrent loans to total loans | 0.84% | +0.04 pp | 322nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.26% | +0.05 pp | 381st of 500 (1 = lowest) |
US rank of TIB: 1 = highest unless marked 1 = lowest.
Balance sheet
TIB: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.4bn
- Net loans $1.8bn
Capital and securities
The CET1 ratio of TIB stood at 20.49% in , +3.31 pp year on year. Low and high at TIB since : 15.74% () to 20.63% (). Equity capital of TIB at : $432.2 mn, or 14.6% of total assets. TIB also reported a total capital ratio of 21.75% for , and a tier 1 leverage ratio of 13.22%.
The available-for-sale portfolio of TIB showed an unrealized loss of $7.0 mn at ; the loss narrowed by $987,000 over the year.
TIB: capital ratios
- Total capital 22%
- CET1 20%
- Tier 1 leverage 13%
TIB: unrealized securities gains and losses
- Available for sale -$7mn
- Held to maturity $0
Profitability and loan quality
For the year to , TIB earned a return on equity of 12.99%; return on assets: 1.85%. Net interest margin at TIB: 2.90%, +0.33 pp in a year. TIB net income: $27.5 mn, up 30.6% year on year. The efficiency ratio of TIB was 57.52%: about 58 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.84% of total loans at TIB; net charge-offs: 0.26% of average loans. Gross loans and leases at TIB: $1.8 bn, down 6.3% in a year.
TIB: profitability
- Return on equity 13%
- Net interest margin 2.9%
- Return on assets 1.8%
Peer group of TIB
The peer group of TIB 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 TIB (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Texas. Against them, TIB shows CET1 ratio 20.49% against a peer median of 12.61%, return on equity 12.99% against a peer median of 12.86% and uninsured deposit share 91.45% against a peer median of 34.74%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Maine Community Bank | State-chartered stock savings bank | ME | $3.0 bn | not reported | 12.49% | 15.63% | |
| First Fidelity Bank | State member bank | OK | $3.0 bn | not reported | 13.65% | 26.88% | |
| The Fidelity Deposit and Discount Bank | State nonmember bank | PA | $3.0 bn | 13.16% | 13.23% | 42.59% | |
| TIB | National bank | TX | $3.0 bn | 20.49% | 12.99% | 91.45% | |
| Texas Regional Bank | State member bank | TX | $2.9 bn | 12.06% | 3.26% | 53.69% | |
| West Coast Community Bank | State nonmember bank | CA | $2.9 bn | 13.15% | 15.04% | 56.26% | |
| First Federal Savings and Loan Association of Lakewood | Federal savings bank | OH | $2.9 bn | 11.93% | 7.30% | 19.13% | |
. FDIC Call Reports.
Last eight quarters
Two years at TIB, to : assets +1.0%, deposits -3.1%, equity +11.9%. Staff 238 to 234.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn |
| Total deposits | $2.4 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.4 bn |
| Bank equity capital | $386.3 mn | $386.3 mn | $390.9 mn | $399.3 mn | $409.3 mn | $417.2 mn | $421.8 mn | $432.2 mn |
| CET1 ratio | 17.03% | 17.02% | 17.47% | 17.18% | 18.92% | 19.74% | 20.45% | 20.49% |
| Return on equity (ROE) | 11.70% | 11.03% | 11.78% | 10.74% | 10.81% | 10.39% | 9.57% | 12.99% |
| Uninsured share of domestic deposits | 84.57% | 92.06% | 92.47% | 92.02% | 92.37% | 92.04% | 92.85% | 91.45% |
| Full-time equivalent employees | 238 | 233 | 234 | 243 | 239 | 235 | 230 | 234 |
| Number of offices | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at TIB
- Total assets at TIB changed by +33.1% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of TIB?
TIB reported $3.0 bn at in its Call Report. That makes TIB the 426th largest of 497 banks in our US coverage.
Is TIB the same as its holding company?
No. This page covers TIB, FDIC certificate 23647; TIB INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is TIB profitable?
TIB reported net income of $27.5 mn for the year to ; annualized return on equity: 12.99%. So yes: TIB made a profit over these months.
When is data for TIB next updated?
Figures from TIB for are due after .
Where can I check the figures for TIB?
In the FDIC BankFind Suite record for certificate 23647, and in the Call Reports of TIB (RSSD ID 529958) at the FFIEC Central Data Repository.