# TIB BANK
NAPLES, FL · FDIC certificate 21435 · asset band $1-10B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.73B | |
| Deposits | $1.35B | |
| Loans and leases | $1.03B | |
| Total equity | $201.2M | |
| Loans / deposits | 76.09% (p42 of band) | 79.40% |
| Liquid assets / assets | 30.97% (p58 of band) | |
| Uninsured deposits / deposits | 15.85% (p44 of band) | 17.70% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 10.39% (p52 of band) | |
| FHLB advances / assets | 6.95% | |
| Tier 1 leverage | 8.41% (p35 of band) | 9.08% |
| Unrealized securities loss / equity | -0.73% (p20 of band) | 1.08% |
| AOCI / equity | 0.69% (p86 of band) | |
| ROA (annualized) | 0.33% (p25 of band) | 0.68% |
| Net interest margin | 3.40% (p35 of band) | 3.63% |
| Efficiency ratio | 80.88% (p84 of band) | |
| Noncurrent loans | 5.65% (p79 of band) | 2.65% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 1.51% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 20.14% (p28 of band) | |
| Auto loans | $43.0M (4.18% of loans; DQ 1.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 383 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2010-09-02 [Florida-Based Bank Adds Private Banker - Wealth Briefing](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRDQtNlZXUzVLOWhLUWlKeGJ6RElUalRZbnJSdHV3bjlBQUtJOHFuTHJqSkl2TThWbnhySktNcFZ5OGgyYkhQdGE4VjRUSzdocVVvZm1kbF9YeG15d0JjQWhVNS15X3JaSmVIXzlkNG5sdXJhYkNqUi1DN05OeFQ2Vl90SDZJYzZUUFd1UVE3ejRKVVRTUXc?oc=5) · Wealth Briefing
- 2021-11-11 [The Best Banks to Work For — $3 billion to $10 billion of assets - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQeWg0NVBacFd3ZDE4Q1c1bW9ZOWE5UWwteWZtVGdnYnBxMkFpSUV5MXdTNk15TkdLQ19XaUFRVWUyTjdWWXhVOUZYcFFGVzdtamFzZWhDZTlCbzI0WkxOWTVGRmpZTnFSM2NpTHM1bEdyWm1zaUlqaWc0Z1d2cDc0QU9hRGdmR2VjM01PeVBjVG4tbkUwMDVTR055NlU?oc=5) · American Banker
- 2016-08-04 [Meet Byron Donalds, Republican running in House District 80 - Florida Politics](https://news.google.com/rss/articles/CBMiogFBVV95cUxOcmpZRlVYRmVFX045Q3VYd2ZNbW8xUW9NeVlCRGd1Y3Q0OFVDVnNXYUhtLXpvUWhSM1F2T3EyNE9zaEh2dEZVN3dqYW5iSzN3V1FxZ081ZnVKcmZ4V1BBSTVBZUVlMkpsa0d5X1JLdFdscTAzcDU1N3BGdnZlekd4X2V5VXh0TGdxc0UtQXREVGJiLU9LaWZSQU1VXzdpMURYSEE?oc=5) · Florida Politics
- 2009-02-15 [Regulators close banks in Neb., Fla., Ill. - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBMNzZZNGNJY084Yi1NeWtmal8zcGk1bkNFYVFrcy1GRnlzTVdzakVmYkFjUkN5QnFBM0dqVkkxT2xWbE1abmpXMy04LXJDdVAzbWthUklmblNpdjRURmNzRGxB0gFnQVVfeXFMTUlEWEdTTmx2NmE1NkMzX05kZFluaUhWR2VwZnZMRnRtYV9sT05mSmduTWNQZnR6dnNTek1nZDdXMHRpaldKOUg2aHo3MzA4d3lvY2hzRWNrNnFfRENUODNYUU5JSXB0aw?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2009-08-19 [Edward Lett Obituary (2009) - Naples, FL - Naples Daily News - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbFktTWRaMW0xbjBMdzBFOGtwWVB5Mk1tRmZfbmlnNVpCWExLWEMzTV9rVUVUd0lYQWlxZnk4UlRUZUxIcFhEazc0cHF6cWo3clFaV2NBNmVaQ0F2Szhwa192bGxxUEtlUkZTU20xdGhfSWxhMmNmVDZwdVlJYWN4RlVVMGJYTlB3dzFPcWhn?oc=5) · legacy.com
- 2009-07-13 [Commercial Real Estate Lee-Collier - Business Observer](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSGJXSmNrWTllSUp3SWZqdFZGTWtjRXV4REU0NHN5MXNVaXROQXRSc3VPVllnREN1bUR0VllGMktEZm5ya29vbW9aRjREeDZuRmY0aUhQVHNSUzFKTmp3MXRORHpBdzl3cWxKeHNiR0lUZU5mWHZ2TUZoZDVleGRMRVowMW1OQTY3ejBENDVTOWNUbUk?oc=5) · Business Observer
- 2023-01-04 [One of the surprise nominees for Speaker of the House is a Florida rep. Who is Byron Donalds? - Naples Daily News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOY2pydTZKYnBtMGtmTUZQSjEzRVI2RGdTeDJ0ZUlBemw0UVp3NlRCNjd4VkhVbG5NakNYSzdXRlFhdFhqdjZwNFJkU2pUOVI4WmYxLThYQmtuY0pQOXEwWDJFaGNfeG82eWVIS1dhQ0lOSS1LQnM1dUp0ZUhTS1E0LTlSMGN6VE8yUWNKYk5VWFVSeDFSZHVPYlFIY1oxNnRQTWxMaDU2MjhjNWs5bG0wWG1uZFJWNTJVbUpwVVRtZDVyTVF2YjhJTTJ3d0RHclhBMWJIekdMVlg?oc=5) · Naples Daily News
- 2025-04-24 [Joseph Roth Obituary - FL - Sun Sentinel](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9TLW5xdkowb0lmZ21oZUhHUDVCazJfVURmdVhqdVFfYWI0RWtDS0piRlZWVUJCSDB2c3NHVXczam1TbkhkV1RCSGZWOVBmaEVWWldXMTZOQmR1X05XQXh2U1Fxc3oyVy1h?oc=5) · Sun Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21435 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "21435", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide