BlastPoint's Banking Scorecard
TIB National Association
Community
Specialty: Other
TX
FDIC cert 23647
Farmers Branch, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
TIB National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 13% in Community
- + Tier 1 Capital Ratio 9.50% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 69% in Community
- - Net Interest Margin 0.99% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+0.6% YoY
-0.2% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$1.8B
-0.7% YoY
-3.2% QoQ
|
+$793.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$2.5B
+0.7% YoY
-0.7% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.40%
+0.4% YoY
-2.8% QoQ
|
+0.24% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
2.68%
+19.5% YoY
+1.4% QoQ
|
-0.99% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
65.87%
+9.4% YoY
+2.4% QoQ
|
+3.24% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.90%
+185.2% YoY
+1.9% QoQ
|
+0.27% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
72.19%
-1.4% YoY
-2.5% QoQ
|
-10.87% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
18.86%
-1.7% YoY
-0.8% QoQ
|
-2.19% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.56%
+195.0% YoY
-17.7% QoQ
|
+0.06% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
19.74%
+16.0% YoY
+4.3% QoQ
|
+9.50% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
3.01%
-21.1% YoY
+30.5% QoQ
|
+2.27% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#48 of 371 · Top 13% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.01%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.40%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.74%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Cost Spiral
risk
#28 of 40 · Bottom 69% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
65.87%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.68%
(Tier avg: 3.66%, National avg: 3.75%)
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
97
97th pctile
Non-Interest Income / Assets
Current: 3.01% · Tier avg: 0.74%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.74% · Tier avg: 10.24%
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.19% · Tier avg: 83.06%
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 21.05%
38
38th pctile
Efficiency Ratio
Current: 65.87% · Tier avg: 62.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
9
9th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.66%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.66%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
38
38th pctile
Efficiency Ratio
Current: 65.87% · Tier avg: 62.63%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 21.05%
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.19% · Tier avg: 83.06%
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
93
93th pctile
Tier 1 Capital Ratio
Current: 19.74% · Tier avg: 10.24%
97
97th pctile
Non-Interest Income / Assets
Current: 3.01% · Tier avg: 0.74%