Farmers Branch, TX · Cert 23647 · Tib Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #32 of 166 inst. · $1.6B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 1.44% | 1.40% | 1.34% | 1.85% | +43 bps | |
| Return on Equity | 10.74% | 10.81% | 10.39% | 9.57% | 12.99% | +224 bps | |
| Net Interest Margin | 2.29% | 2.31% | 2.28% | 2.45% | 2.51% | +22 bps | |
| Efficiency Ratio | 65.10% | 64.35% | 65.87% | 64.15% | 57.52% | -758 bps | |
| Non-Interest Burden | 0.49% | 0.48% | 0.59% | 0.64% | 0.25% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.56% | 1.60% | 0.57% | 1.02% | -1.24% | -380 bps | |
| Loan Growth (YoY) | 12.09% | 4.20% | -0.60% | -1.36% | -6.29% | -1,838 bps | |
| Deposit Growth (YoY) | -1.42% | 1.14% | 0.71% | 1.52% | -2.99% | -157 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.79% | 0.87% | 0.89% | 0.79% | 0.84% | +4 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.19% | 0.19% | 0.29% | 0.26% | +6 bps | |
| Allowance / Loans | 1.26% | 1.39% | 1.40% | 1.49% | 1.44% | +17 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.6x | 1.9x | 1.7x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.59% | 12.66% | 12.56% | 12.94% | 13.22% | +63 bps | |
| Total Risk-Based Capital | 18.33% | 20.17% | 20.99% | 21.70% | 21.75% | +342 bps | |
| Equity / Assets | 13.32% | 13.74% | 14.03% | 14.06% | 14.60% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.06% | 75.09% | 73.22% | 71.80% | 75.41% | -266 bps | |
| Liquid Assets / Assets | 26.26% | 28.39% | 28.47% | 31.29% | 29.34% | +308 bps | |
| CRE / Total Capital | n/a | 78.60% | 74.34% | 71.93% | n/a | n/a | |