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Tib National Association
Farmers Branch, TX · FDIC Certificate #23647 · Chartered 01/2
Total assets
$2.96B
Total deposits
$2.37B
Total equity
$432.17M
Net loans
$1.76B
Branches (offices)
5
Net income (YTD)
$27.52M
Rank: #432 of 4,213 U.S. banks by assets · #33 of 346 in Texas. Assets changed -1.2% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 12.99% |
| Net interest margin (YTD) | 2.90% |
| Equity to assets | 14.60% |
| Tier 1 leverage ratio | 13.22% |
| Uninsured deposits (share of deposits) | 91.5% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 74.3% |
| Real estate loans (share of loans) | 44.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $783.71M | 44.6% | |
| Commercial & industrial | $174.84M | 9.9% | |
| Consumer / individual | $68.23M | 3.9% | |
| Construction & development | $125.25M | 7.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.16B | $2.67B | $19.19M | $327.23M |
| Jun 2023 | $2.96B | $2.25B | $14.48M | $325.65M |
| Jun 2024 | $2.92B | $2.47B | $22.21M | $375.21M |
| Jun 2025 | $3.00B | $2.44B | $21.07M | $399.25M |
| Jun 2026 | $2.96B | $2.37B | $27.52M | $432.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.60B | 1 |
| Illinois | $404.10M | 1 |
| Georgia | $217.10M | 1 |
| California | $139.97M | 1 |
| Oklahoma | $0 | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.37B.
Similar-sized banks
The Fidelity Deposit And Discount Bank ($2.97B) · Texas Regional Bank ($2.95B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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