BlastPoint's Banking Scorecard
TBK BANK, SSB
Mid-Market
Specialty: Commercial
TX
FDIC cert 23498
Dallas, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
TBK BANK, SSB has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 14% in Mid-Market
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 62% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.4B
+7.2% YoY
+0.4% QoQ
|
-$4.1B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$5.0B
+9.9% YoY
-0.2% QoQ
|
-$2.2B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$5.0B
+2.6% YoY
-0.1% QoQ
|
-$3.6B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.53%
+11.9% YoY
+100.0% QoQ
|
-0.63% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
6.60%
-9.2% YoY
+0.3% QoQ
|
+3.20% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
86.71%
+2.2% YoY
-4.1% QoQ
|
+30.11% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
1.18%
-53.5% YoY
-13.4% QoQ
|
+0.50% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
99.88%
+7.1% YoY
-0.0% QoQ
|
+14.41% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.55%
-5.8% YoY
-9.1% QoQ
|
+17.91% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
1.08%
-44.0% YoY
+0.7% QoQ
|
+0.58% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
11.77%
-17.0% YoY
+5.4% QoQ
|
-1.78% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
26% |
| Non-Interest Income / Assets ? |
1.37%
+33.6% YoY
+54.9% QoQ
|
+0.41% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#4 of 22 · Top 14% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
38.55%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
6.60%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (1)
Efficiency Drag
risk
#6 of 9 · Bottom 62% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.71%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Net Interest Margin
Current: 6.60% · Tier avg: 3.40%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 38.55% · Tier avg: 20.64%
89
89th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 0.96%
37
37th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
26
26th pctile
Tier 1 Capital Ratio
Current: 11.77% · Tier avg: 13.55%
24
24th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
19
19th pctile
Total Deposits
Current: $5.0B · Tier avg: $8.5B
19
19th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.68%
15
15th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
12
12th pctile
Loan-to-Deposit Ratio
Current: 99.88% · Tier avg: 85.47%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
2
2th pctile
Efficiency Ratio
Current: 86.71% · Tier avg: 56.60%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 86.71% · Tier avg: 56.60%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
12
12th pctile
Loan-to-Deposit Ratio
Current: 99.88% · Tier avg: 85.47%
15
15th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.16%
19
19th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.68%
19
19th pctile
Total Deposits
Current: $5.0B · Tier avg: $8.5B
24
24th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
26
26th pctile
Tier 1 Capital Ratio
Current: 11.77% · Tier avg: 13.55%
37
37th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
89
89th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 0.96%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 38.55% · Tier avg: 20.64%
99
99th pctile
Net Interest Margin
Current: 6.60% · Tier avg: 3.40%