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TBK BANK, SSB
Dallas, TX·FDIC Cert #23498·Charter: STATE·Est. 19810715.0·HC: TRIUMPH FINANCIAL INC
Total Assets
$6.4B
Q4 2025
Return on Assets
0.53%
+0.26%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
86.71%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
42
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.53%+0.26
ROE
3.31%+1.65
Efficiency
86.71%-3.74
Equity/Assets
0.00%+0.00
NPL Ratio
1.18%-0.18
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.88%-0.01
Charge-offs
0.38%-0.26
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.4 | 0.5 | 0.5 | 0.1 | 0.3 | 0.3 | 0.5 |
| ROE | 2.8 | 2.4 | 2.7 | 2.7 | 0.9 | 1.7 | 1.7 | 3.3 |
| Efficiency | 83.6 | 85.5 | 84.9 | 84.8 | 93.7 | 90.8 | 90.5 | 86.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.1 | 2.0 | 2.7 | 2.5 | 2.1 | 1.6 | 1.4 | 1.2 |
| Charge-offs | 0.2 | 0.2 | 0.3 | 0.3 | 0.5 | 0.6 | 0.6 | 0.4 |
| Loan/Deposit | 92.6 | 96.0 | 90.5 | 93.2 | 92.9 | 94.6 | 99.9 | 99.9 |
Balance Sheet
Total Assets$6.4B
Total Deposits$5.0B
Total Loans$5.0B
Total Equity$1.0B
Profitability
ROA0.53%
ROE3.31%
Efficiency Ratio86.71%
Net Income$33.3M
Risk & Asset Quality
NPL Ratio1.18%
Charge-off Rate0.38%
Loan/Deposit99.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans