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

Tib National Association

Farmers Branch, Texas · $2.96B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

15.1%
CRE / loans
2nd of 12
58.7%
CRE / capital
2nd of 12
-6.3%
Loans, year over year
10th of 12, largest first

Tib National Association is the second largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.96B in assets at 30 June 2026. Loans are 75.4% of deposits, 5th of 12 against a median of 78.6%, and equity is 14.6% of assets, 4th of 12. Loans grew -6.3% in the year, 10th of 12, and deposits fell 3.0%; the cohort's median loan growth is +1.1%.

Noncurrent loans are 0.84% of the book, 8th of 12 against a median of 0.67%; 0.13% is 30 to 89 days past due, and the allowance covers them 1.7 times. Net charge-offs are 0.26% of loans, 11th of 12. Commercial real estate is 15.1% of loans, 2nd of 12 against a median of 36.7%, and 59% of capital, below the 300% screen, with construction at 27% against the 100% screen.

Return on assets is 1.68%, 4th of 12 against a median of 1.50%, on an efficiency ratio of 57.7%, 7th of 12. Five years ago it was 0.95%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 36.7% WF Wells Fargo Bank S Central N.A. 0.0% TN Tib National Association 15.1% EB Extraco Banks National Association 25.7% WT West Texas National Bank 27.2% SB Susser Bank 34.1% JB Jefferson Bank 35.5% HB Horizon Bank SSB 38.0% AF American First National Bank 47.1% AM American Momentum Bank 47.3% TR Texas Regional Bank 47.5% PB Pinnacle Bank 57.5% SB State Bank of Texas 98.8%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +1.1% SB Susser Bank +12.8% TR Texas Regional Bank +12.5% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% WT West Texas National Bank +1.2% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% AF American First National Bank -0.0% TN Tib National Association -6.3% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Tib National AssociationRankCohort median
Total CRE against capital, the 300% screen59%2nd of 12247%
Construction against capital, the 100% screen27%2nd of 1248%
Construction and land development, share of loans7.0%4th of 128.7%
Non-owner-occupied nonfarm nonresidential, share of loans6.1%2nd of 1220.7%
Total CRE, the guidance definition, share of loans15.1%2nd of 1236.7%
CRE growth over 36 months, the third prong+38.6%12th of 12+8.6%
Commercial real estate against capital, the 300% screenTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 247% WF Wells Fargo Bank S Central N.A. 0% TN Tib National Association 59% WT West Texas National Bank 129% EB Extraco Banks National Association 149% AM American Momentum Bank 173% SB Susser Bank 243% JB Jefferson Bank 251% HB Horizon Bank SSB 254% AF American First National Bank 258% TR Texas Regional Bank 295% PB Pinnacle Bank 352% SB State Bank of Texas 484%
CRE growth over 36 months, the guidance's third prongTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +8.6% WF Wells Fargo Bank S Central N.A. -100.0% EB Extraco Banks National Association -8.3% AM American Momentum Bank -2.8% AF American First National Bank +0.9% WT West Texas National Bank +0.9% HB Horizon Bank SSB +7.3% JB Jefferson Bank +10.0% SB State Bank of Texas +19.3% SB Susser Bank +19.5% TR Texas Regional Bank +21.8% PB Pinnacle Bank +21.9% TN Tib National Association +38.6%

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
Susser Bank$2.99B1.0%62.2%0.42%0.01%1.3%83.2%10.3%
Tib National Association$2.96B1.7%57.7%0.84%0.26%1.4%75.4%14.6%
Texas Regional Bank$2.95B0.3%88.8%0.59%0.07%1.1%72.4%9.2%
American First National Bank$2.89B2.1%38.1%0.42%0.08%1.1%98.8%14.2%
West Texas National Bank$2.88B1.6%46.5%1.67%0.88%1.9%58.6%10.2%
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Tib National AssociationCohort median
20212026Change20212026Change
Loans$1.12B$1.78B+59%$1.10B$1.85B+69%
Deposits$3.27B$2.37B-28%$1.75B$2.35B+35%
NPA / loans0.04%0.84%+0.79 pts0.19%0.67%+0.48 pts
Efficiency68.0%57.7%-10.3 pts65.5%55.1%-10.3 pts
ROA0.95%1.68%+0.73 pts1.03%1.50%+0.46 pts

This read was prepared for Tib National Association'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 Tib National Association 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 $1B to $3B
Institution www.tib.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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