# TBK BANK SSB
DALLAS, TX · FDIC certificate 23498 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 4 (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 | $7.40B | |
| Deposits | $6.23B | |
| Loans and leases | $5.48B | |
| Total equity | $1.06B | |
| Loans / deposits | 87.36% (p51 of band) | 87.10% |
| Liquid assets / assets | 15.80% (p26 of band) | |
| Uninsured deposits / deposits | 26.37% (p34 of band) | 30.76% |
| Brokered deposits | 3.45% | |
| Wholesale funding | 3.45% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p34 of band) | 10.50% |
| Unrealized securities loss / equity | -0.76% (p90 of band) | -7.75% |
| AOCI / equity | -0.08% (p68 of band) | |
| ROA (annualized) | 0.63% (p12 of band) | 1.26% |
| Net interest margin | 6.25% (p98 of band) | 3.70% |
| Efficiency ratio | 84.27% (p96 of band) | |
| Noncurrent loans | 1.65% (p87 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p77 of band) | |
| Reserve coverage of noncurrent | 38.43% | |
| Real estate % of loans | 20% | |
| Construction % of loans | 18.45% (p16 of band) | |
| Auto loans | $1.1M (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.06B (100% of equity) (p99 of band) | |
| Deposits YoY | 19.8% | |
| Employees | 1459 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money, expense ratio p90 | noncurrent p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | noncurrent p90, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | noncurrent p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 3 | charge-offs p90 |  |
| 2013-12 | 1 |  | capital falling, charge-offs p90 |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 1 | loans-to-lenders >50% equity | reserve under noncurrent, expense ratio p90 |
| 2015-09 | 3 | loans exceed deposits, capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 1 | reserve under noncurrent | loans-to-lenders >50% equity, loans exceed deposits |
| 2016-06 | 4 | loans exceed deposits, capital falling, loans-to-lenders >50% equity |  |
| 2016-09 | 4 | noncurrent p90 | loans exceed deposits |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 2 | charge-offs p90 | loans-to-lenders >50% equity, noncurrent p90 |
| 2017-06 | 5 | loans exceed deposits, wholesale funding >15%, loans-to-lenders >50% equity |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 4 |  | charge-offs p90 |
| 2018-03 | 6 | liquid assets <10%, capital falling |  |
| 2018-06 | 5 |  | capital falling |
| 2018-09 | 4 | charge-offs p90 | loans-to-lenders >50% equity, liquid assets <10% |
| 2018-12 | 3 |  | charge-offs p90 |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | loans-to-lenders >50% equity | wholesale funding >15% |
| 2019-09 | 6 | wholesale funding >15%, liquid assets <10%, capital falling |  |
| 2019-12 | 5 |  | capital falling |
| 2020-03 | 6 | losing money |  |
| 2020-06 | 4 |  | liquid assets <10%, losing money |
| 2020-09 | 4 | liquid assets <10% | reserve under noncurrent |
| 2020-12 | 7 | brokered >10%, noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 7 | charge-offs p90 | noncurrent p90 |
| 2021-06 | 4 |  | wholesale funding >15%, liquid assets <10%, brokered >10% |
| 2021-09 | 3 |  | loans exceed deposits |
| 2021-12 | 7 | loans exceed deposits, uninsured deposits >50%, liquid assets <10%, run vulnerability |  |
| 2022-03 | 4 | noncurrent p90 | charge-offs p90, uninsured deposits >50%, liquid assets <10%, run vulnerability |
| 2022-06 | 4 | uninsured deposits >50%, run vulnerability | loans exceed deposits, noncurrent p90 |
| 2022-09 | 5 | noncurrent p90, deposits shrinking, assets shrinking | uninsured deposits >50%, run vulnerability |
| 2022-12 | 5 |  |  |
| 2023-03 | 9 | loans exceed deposits, expense ratio p90, charge-offs p90, uninsured deposits leaving |  |
| 2023-06 | 7 |  | noncurrent p90, loans exceed deposits |
| 2023-09 | 7 | brokered >10%, capital falling, noncurrent p90 | deposits shrinking, assets shrinking, expense ratio p90 |
| 2023-12 | 6 | loans exceed deposits, deposits shrinking | uninsured deposits leaving, brokered >10%, capital falling |
| 2024-03 | 3 |  | charge-offs p90, loans exceed deposits, deposits shrinking |
| 2024-06 | 4 | expense ratio p90 |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 6 | brokered >10% |  |
| 2025-03 | 5 | charge-offs p90 | capital falling, brokered >10% |
| 2025-06 | 6 | brokered >10%, wholesale funding >15% | noncurrent p90 |
| 2025-09 | 7 | liquid assets <10% |  |
| 2025-12 | 6 |  | charge-offs p90 |
| 2026-03 | 3 |  | brokered >10%, wholesale funding >15%, liquid assets <10% |
| 2026-06 | 4 | capital falling |  |

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

- 2022-03-22 [Data Breach Alert: TBK Bank, SSB - JD Supra](https://news.google.com/rss/articles/CBMifkFVX3lxTFBaNTQ5MGxaTDZsSEhmMGhiUTBPZFlZTWRCcTBCTUV5YVVZUWhkSE0tb3gtcldxT1NQTXVHZDJyU1ViNHVTY1FndU1Qcmk5ZGo3ejJTRU8zc1Q0ckFxbnVseFJDN2lNNXlkUDM2VDFFOVNIMEhmRVRYUHQ0STlhZw?oc=5) · JD Supra
- 2025-01-31 [TBK Bank Promotes Tasha Keegan to Senior Vice President, Regional Commercial Banking Executive for Quad Cities - The Digital Banker](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOVXFTbTU3b2dhd1hDMThhcjFabTdsNnFNOEJZeHdsTlNoYm9QR2xPTng5c1AzbnZhS3BFV2FodHNSTE1XVG5LVTNQay1ILUJHUHByejJqd2xDa1JyOXk3dGxKenlnYldCbVY5bzdtb25LMlRHaUpYc1ZydmVIazMzZ0Jrelg4UDE3WnQ0RmJlX3VUeXNad0NBektIR3FmUHE3dmV2Mi1ZUndva01MVEUxbjlXS2ZrRFZQdFlaV3ZDVnpyZkhEcWtBV3hmUk8tU0t3OXNDTlBR?oc=5) · The Digital Banker
- 2019-05-06 [Fort Worth banking executive joins Dallas-based banking group - The Business Press](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcXhYNWZXa09fMDRYQXhfdVdXekhPZjZYdl9Pc3RWVTZseV9HTXRuMFNtSUNpY01BLWhPOWN0NHJBcGJVaWZxU1dhZU1GLURSSHJVdGdsOU9mb1hIbGhhV3p0MWRuRmFRcXRERGJPRjFIaXZ1TzRld1RHR2lVSm9mRFh3TG1TTWZ4bkFjWGFKRVNMdS1lSEZwWEtHNE55dkJ0UkE?oc=5) · The Business Press
- 2022-03-10 [Erik T. Bahr Appointed Chief Revenue Officer of TBK Bank, SSB - GlobeNewswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxObGxlTWdsUjdmTGtvbEhUYUJzZ1Z4UGFoTkNjUlIwZ29zbGl2QmoyZm44LUlPQWJrYU10WnpudkdvUnlCUm9NWVpRd2IwaDRaOXRmVDN6aWpEc2hRSzM2bkJPZjlxNS01Y0NzcHFlQlZBeWsxcE1KWDV6LXRlZHY3THFPNkVjS2FscGFqVTA4TUlxekV1UGxqZWxRM1NyTWd1Y29IbDBIMTduVmw0SG1xSkloMHpGdXhVYnVOSG5iWGZXblo2M2VwakI3Yw?oc=5) · GlobeNewswire
- 2017-09-28 [Aaron Graft - magazine.web.baylor.edu](https://news.google.com/rss/articles/CBMibkFVX3lxTE9IaFNGcHJoZjVPTTRtRjJnUE5lTG9LNm9WTmtDTEU1Y1NCNFV1SVkwR2lFenlydFc3WnBWNUM1RXFob011U1VSa09FUWdWanRDSFRSQmpvdF9TQmNzMklvb1l3NG1tZ2FadC1tOWZn?oc=5) · magazine.web.baylor.edu
- 2023-01-23 [Davis Deadman Joins Triumph Financial Board of Directors - citybiz](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYm11Q0xYV1NZTEJxdWxqbmttYkRHamJqWVRnYnQ1b3lJcF9FVEFPMm93bjZabWthTWxiUWpXX1ItMmloSE0xaUprNGhLV0w4Q1NNaTVFSkZLU19jSEVqN3lTbTY5WUNIaE93bHZwVGV5QXJaalBQb2lWSzJWZmU3RWJYTHBkQVdFSl9zTFgwU0pBYVo0Q1hDODF6NA?oc=5) · citybiz
- 2022-12-01 [Triumph Bancorp Rebrands to Triumph Financial - GlobeNewswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPYjVxS2lHNk1zYUhUWE1wRnVaYTY3VmVXNU44UkFzaGdfUzlNUTF0a3pXX1dFV1NtVGlQUXJrUFJ2dkROYzZFa0w4V29OVmYxN2JMNzgxSE0zZTd3cWkyUWpYU3ZrbC15amVXUHZ5cmNERHQxYS1OY0NlMjVrZXh6bjgzQ3dUOFlNZXBxTXFMU0cyV080N3FOd1c1eWc5M0s2TXVPYk44T2JOT01kUFljbjJXTkRfSk9f?oc=5) · GlobeNewswire
- 2023-07-11 [Trax Technologies Receives Minority Equity Investment From TBK Bank - citybiz](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWHJENHQ1LW4ydWhqVkRRLWJkczlxUGJvejVfblQ1U1VydDV1M29ycjJMTlBJYzhqY1Q0YkVKRGtBRmhsNlJhbko1eFp1dXg4bHMzN0Vzc0ZXaW1id2h0R1VTcmdodms2Wkw4RjBKQlJoelEwNFR3WVhwMDA2Xy13MThoWTZDc1ZFNldwSXlhYWhDU2l4WjlmUU5kMGhhbVZzRW40T0otMTF6UQ?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23498 (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/10.json (key "23498", 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