Tib, National Association
Farmers Branch, TX · Cert 23647 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Tib Inc.
National charter · OCC · 5 branches
Q2 2026
$3.0BAssets
$1.8BLoans
$2.4BDeposits
$432.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 3 of 20).
- Widest gap: net interest margin trails 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 17 of 20).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.86%
Rank 5 of 20
Net Interest Margin
2.51%
Rank 17 of 20
Efficiency Ratio
57.69%
Rank 9 of 20
Equity / Assets
14.60%
Rank 4 of 20
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 60% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.68% | 1.15% | 1.86% | Beats 75% | 5 / 20 | |
| Return on Equity | 12.73% | 7.45% | 10.95% | 14.25% | Beats 65% | 7 / 20 | |
| Net Interest Margin | 2.51% | 2.87% | 3.58% | 4.28% | Beats 15% | 17 / 20 | |
| Efficiency Ratio | 57.69% | 52.33% | 65.48% | 74.79% | Beats 60% | 9 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.18% | 0.42% | 1.54% | Beats 35% | 14 / 20 | |
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.02% | 0.14% | Beats 25% | 16 / 20 | |
| Capital |
| Tier 1 Capital Ratio | 20.49% | 13.35% | 15.71% | 17.39% | Beats 85% | 3 / 20 | |
| Total Risk-Based Capital Ratio | 21.75% | 14.55% | 16.02% | 18.64% | Beats 85% | 3 / 20 | |
| Equity / Assets | 14.60% | 9.74% | 11.64% | 13.21% | Beats 80% | 4 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 75.41% | 72.63% | 81.14% | 96.60% | 40th pctl | 12 / 20 | |
| Loans / Assets | 60.26% | 60.26% | 69.54% | 79.68% | 25th pctl | 15 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |