FDIC Cert #23498 · Dallas, Texas · Est. 1981

TBK BANK, SSB - FDIC Bank Health Profile

A community-scale look at TBK BANK, SSB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$6.4B
Total assets
C
Health grade · Fair
0.53%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

TBK BANK, SSB earns a PlainBankData health grade of C (58/100), with well-capitalized at 11.77% Tier 1, 0.53% ROA, 87% efficiency ratio.

#239
largest of 4,313 FDIC banks by assets
95th
percentile by asset size, nationally
11.77%
Tier 1 ratio - above the 10% well-capitalized line
17th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 23498 · TX C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3881/4307
  • PHOTO-FINISH The Harbor Bank of M… · MD
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-CLEAN 5.5% Texas
  • ROA-THIN 0.53% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: The Harbor Bank of Maryland, MD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around TBK BANK, SSB

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Charles River Bank · MA · ne…58/100First State Bank · OK · near58/100MutualOne Bank · MA · near58/100TBK BANK, SSB · TX · this ba…58/100The Harbor Bank of M… · MD ·…58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around TBK BANK, SSB · July 2026

Call Report read for TBK BANK, SSB in a high-failure state

TBK BANK, SSB (FDIC Cert #23498) carries a PlainBankData health grade of C at 58/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,881 of 4,307. Tier 1 capital prints at 11.77%, clearing the 10% well-capitalized line. The Texas Ratio is 5.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.53%. Balance-sheet scale is $6.4B, 239th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Harbor Bank of Maryland (MD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around TBK BANK, SSB

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

TBK BANK, SSB sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about TBK BANK, SSB's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How TBK BANK, SSB's 58/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10058/100
TBK BANK, SSB's composite health score
Tier 1 Capital Ratio (11.77%) 28/40
Return on Assets (ROA) (0.53%) 14/25
Texas Ratio (5.46%) 16/20
Efficiency Ratio (86.71%) 0/15

58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$6.4B

Total balance-sheet footings

Total Deposits

$5.0B

Customer-funded liabilities

Net Loans

$5.0B

Outstanding loan book

Net Income

$33M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.37% 11.77% 13.17%
Basel III capital ratios - TBK BANK, SSB

Where TBK BANK, SSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. TBK BANK, SSB's score of 58/100 falls in the highlighted band.

TBK BANK, SSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 10th percentile higher than 10% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. TBK BANK, SSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

TBK BANK, SSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). TBK BANK, SSB's $6.4B falls in the highlighted band.

Capital & credit buffers at TBK BANK, SSB

Tier 1 capital ratio
Well-capitalized 10%

11.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.77%
Texas Ratio
5.46%
Equity Capital
$1.0B

What these ratios mean →

Profitability metrics: TBK BANK, SSB

Return on Assets (ROA)
17th percentile nationally
0.53%
Return on Equity (ROE)
3.31%
Efficiency Ratio
86.71%

What these mean →

Income & expense at TBK BANK, SSB

$430M
Interest Income
$87M
Non-Interest Income
$397M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. TBK BANK, SSB reports a Texas Ratio of 5.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View TBK BANK, SSB on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($6.4B here), outside Texas so the neighborhood is not state containment.

Horizon Bank $6.4B · IN Bessemer Trust Company $6.4B · NY Equity Bank $6.3B · KS TrustCo Bank $6.4B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) TBK BANK, SSB (FDIC Cert #23498) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

TBK BANK, SSB Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%