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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

TBK Bank SSB

Dallas, Texas · $7.40B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

14.3%
Equity / assets
1st of 12
12.4%
CRE / loans
1st of 12
0.60%
ROA
12th of 12

TBK Bank SSB is the third largest of the 12 Texas banks nearest its size between $3B and $10B, with $7.40B in assets at 30 June 2026. Loans are 87.9% of deposits, 10th of 12 against a median of 73.1%, and equity is 14.3% of assets, the highest in the cohort. Loans grew +10.5% in the year, 4th of 12, and deposits grew 19.8%; the cohort's median loan growth is +5.8%.

Noncurrent loans are 1.65% of the book, 10th of 12 against a median of 0.69%; 0.81% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 0.13% of loans, 8th of 12. Commercial real estate is 12.4% of loans, the lowest in the cohort against a median of 37.4%, and 94% of capital, below the 300% screen, with construction at 27% against the 100% screen.

Return on assets is 0.60%, the lowest in the cohort against a median of 1.35%, on an efficiency ratio of 86.4%, 11th of 12. Five years ago it was 2.20%. The question is what the capital is for: the balance sheet carries less risk than it could.

Commercial real estate, share of loansTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 37.4% TB TBK Bank SSB 12.4% TE Texas Exchange Bank 13.3% VN Verabank National Association 31.6% TC Third Coast Bank 34.6% WN Woodforest National Bank 35.4% BN Broadway National Bank 36.2% VB Vantage Bank Texas 38.7% CB City Bank 39.0% AN American National Bank of Texas 41.1% FN First National Bank Texas 41.6% IB International Bank of Com 56.9% SB Southside Bank 60.0%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.8% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% TB TBK Bank SSB +10.5% SB Southside Bank +7.6% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% VN Verabank National Association -1.5% WN Woodforest National Bank -7.2% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

TBK Bank SSB is the 116th largest 7(a) lender into Illinois of 537, with $15M across 36 loans, 0.1% of everything approved in the state (Byline Bank leads with $2.39B). 36 of its 37 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Rock Island, IL$10M1st of 4311.3%quiet FY2020
Scott, IA$8M6th of 734.0%quiet FY2022
Weld, CO$4M36th of 1060.7%quiet FY2013
Dallas, TX$2M192nd of 3140.0%quiet FY2022
Denver, CO$2M102nd of 1930.1%quiet FY2013
Howard, IA$2M3rd of 819.1%quiet FY2016
Jefferson, CO$2M93rd of 1830.1%quiet FY2015
Cook, IL$1M181st of 2820.0%quiet FY2014
Jackson, IA$1M4th of 1313.9%quiet FY2021
El Paso, CO$1M100th of 1640.1%quiet FY2019
Kane, IL$1M88th of 1410.1%quiet FY2022
Adams, CO$1M100th of 1340.1%quiet FY2014
Pueblo, CO$1M31st of 650.6%quiet FY2019
24 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing19$11M24.7%0.03%428th of 2,246
Accommodation & food services24$9M19.4%0.01%611th of 2,596
Retail trade20$8M16.6%0.01%565th of 2,589
Wholesale trade8$6M12.6%0.02%404th of 1,651
Health care & social assistance11$2M5.2%0.01%808th of 2,172
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and TBK Bank SSB
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans TB TBK Bank, SSB 0.1% $15M · 36 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
TBK Bank SSBRankCohort median
Total CRE against capital, the 300% screen94%2nd of 12214%
Construction against capital, the 100% screen27%2nd of 1253%
Construction and land development, share of loans3.6%1st of 1211.3%
Non-owner-occupied nonfarm nonresidential, share of loans6.1%2nd of 1222.2%
Total CRE, the guidance definition, share of loans12.4%1st of 1237.4%
CRE growth over 36 months, the third prong-1.1%2nd of 12+23.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Woodforest National Bank$8.98B2.1%73.2%1.93%0.27%1.5%72.3%8.8%
Southside Bank$8.76B1.3%51.1%0.19%0.02%0.9%80.2%12.4%
TBK Bank SSB$7.40B0.6%86.4%1.65%0.13%0.6%87.9%14.3%
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
TBK Bank SSBCohort median
20212026Change20212026Change
Loans$4.86B$5.48B+13%$2.18B$3.59B+65%
Deposits$4.76B$6.23B+31%$3.27B$4.68B+43%
NPA / loans1.23%1.65%+0.42 pts0.41%0.69%+0.28 pts
Efficiency63.3%86.4%+23.2 pts66.7%59.3%-7.4 pts
ROA2.20%0.60%-1.61 pts1.51%1.35%-0.16 pts

This read was prepared for TBK Bank SSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on TBK Bank SSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.tbkbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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