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Tib, National Association

Farmers Branch, TX · Cert 23647 · Tib Inc.

National charter · OCC · 5 branches

Q2 2026

$3.0BAssets
$1.8BLoans
$2.4BDeposits
$432.2MEquity
Loan mix
76%RE $760.8M18%C&I $175.8M7%Consumer $65.3MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $1.8B22%Noninterest $0.5BQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #32 of 166 inst. · $1.6B of $732.8B

0.5% Dallas
4.3% Sangamon
0.9% Gwinnett
0.1% Orange

Executive Summary

  • Earnings: ROA of 2.35%, up 106 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.84% of loans (+4 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 13.22%, up 63 bps from a year ago.
  • Funding: loans stand at 75.41% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

2.35%+106 bps YoY

Net Interest Margin (quarter, annualized)

2.58%+31 bps YoY

Efficiency Ratio (quarter, annualized)

51.53%-1,535 bps YoY

Tier 1 Leverage Ratio

13.22%+63 bps YoY

NIM

5.79%Q2 ’245.32%Q2 ’255.05%Q2 ’26+17%+13%

Non-interest income vs. expense

3.48%Q2 ’243.49%Q2 ’252.89%Q2 ’26+25%-123%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.18%1.55%1.29%1.48%1.28%1.34%2.35%+106 bps
Return on Equity10.66%9.00%11.78%9.74%10.97%9.19%9.57%16.37%+664 bps
Net Interest Margin2.06%2.16%2.38%2.28%2.44%2.38%2.45%2.58%+31 bps
Efficiency Ratio68.07%71.17%63.30%66.88%62.90%70.57%64.15%51.53%-1,535 bps
Non-Interest Burden0.44%0.77%0.43%0.56%0.49%0.95%0.64%-0.13%-69 bps
Growth
Asset Growth (YoY)-0.46%0.49%-0.04%2.56%1.60%0.57%1.02%-1.24%-380 bps
Loan Growth (YoY)12.87%14.25%5.77%12.09%4.20%-0.60%-1.36%-6.29%-1,838 bps
Deposit Growth (YoY)10.71%10.87%-4.24%-1.42%1.14%0.71%1.52%-2.99%-157 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.31%0.41%0.79%0.87%0.89%0.79%0.84%+4 bps
Net Charge-Offs / Loans0.14%0.16%0.15%0.26%0.15%0.18%0.29%0.24%-2 bps
Allowance / Loans1.31%1.28%1.31%1.26%1.39%1.40%1.49%1.44%+17 bps
Allowance Coverage of NPLs4.0x4.1x3.2x1.6x1.6x1.6x1.9x1.7x+0.1x
Capital
Tier 1 Leverage Ratio12.79%12.28%12.77%12.59%12.66%12.56%12.94%13.22%+63 bps
Total Risk-Based Capital18.20%18.15%18.64%18.33%20.17%20.99%21.70%21.75%+342 bps
Equity / Assets13.17%13.07%13.17%13.32%13.74%14.03%14.06%14.60%+128 bps
Liquidity & Funding
Loans / Deposits72.88%74.18%73.89%78.06%75.09%73.22%71.80%75.41%-266 bps
Liquid Assets / Assets26.37%27.55%30.12%26.26%28.39%28.47%31.29%29.34%+308 bps
CRE / Total Capitaln/an/an/an/a78.60%74.34%71.93%n/an/a