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TIB National Association
Farmers Branch, TX·FDIC Cert #23647·Charter: OCC·Est. 19820121.0·HC: TIB INC
Total Assets
$3.0B
Q4 2025
Return on Assets
1.40%
-0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.87%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.40%-0.04
ROE
10.39%-0.42
Efficiency
65.87%+1.52
Equity/Assets
0.00%+0.00
NPL Ratio
0.90%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
72.19%-1.85
Charge-offs
0.19%-0.00
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 | 1.7 | 1.5 | 1.5 | 1.4 | 1.5 | 1.4 | 1.4 | 1.4 |
| ROE | 14.2 | 12.2 | 11.7 | 11.0 | 11.8 | 10.7 | 10.8 | 10.4 |
| Efficiency | 41.9 | 52.9 | 57.2 | 60.2 | 63.3 | 65.1 | 64.3 | 65.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.3 | 0.3 | 0.4 | 0.8 | 0.9 | 0.9 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 65.9 | 67.7 | 71.9 | 73.2 | 72.9 | 77.1 | 74.0 | 72.2 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.5B
Total Loans$1.8B
Total Equity$417.2M
Profitability
ROA1.40%
ROE10.39%
Efficiency Ratio65.87%
Net Income$41.6M
Risk & Asset Quality
NPL Ratio0.90%
Charge-off Rate0.19%
Loan/Deposit72.19%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans