TellerScore

Tbk Bank, SSB is a si headquartered in Dallas, Texas, in business for about 45 years. At the end of Q2 2026 it reported $7.4B in total assets and $6.2B in deposits, with 62 offices across 6 states.

Based on its Q2 2026 filing, Tbk Bank, SSB scores 52/100, which we describe as below average. That is higher than only 9% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 324th. Its strongest component is problem-loan coverage (83/100; 8.3%), and its lowest is earnings (45/100; 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.91%
Loan quality45/100
Noncurrent loans ÷ total loans: 1.65%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 87.4% · 26.4% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (50 → 52), mostly because the earnings component improved by 14 points.

TellerScore
505356Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202452
Q4 202451
Q1 202552
Q2 202550
Q3 202552
Q4 202556
Q1 202653
Q2 202652
Tier 1 leverage ratio
5.00%9.34%13.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.68%
Q3 202413.50%
Q4 202412.99%
Q1 202513.02%
Q2 202510.30%
Q3 202510.41%
Q4 202510.78%
Q1 202610.68%
Q2 20269.91%
Noncurrent loans
1.18%1.92%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.00%
Q3 20242.67%
Q4 20242.52%
Q1 20252.11%
Q2 20251.59%
Q3 20251.36%
Q4 20251.18%
Q1 20261.77%
Q2 20261.65%
Return on assets
0.14%0.39%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.48%
Q4 20240.47%
Q1 20250.14%
Q2 20250.28%
Q3 20250.26%
Q4 20250.53%
Q1 20260.52%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$7.4B9.91%1.65%0.63%87.4%
Q1 202653$6.9B10.68%1.77%0.52%90.2%
Q4 202556$6.4B10.78%1.18%0.53%99.9%
Q3 202552$6.4B10.41%1.36%0.26%99.9%
Q2 202550$6.5B10.30%1.59%0.28%94.6%
Q1 202552$6.3B13.02%2.11%0.14%92.9%
Q4 202451$5.9B12.99%2.52%0.47%93.2%
Q3 202452$5.9B13.50%2.67%0.48%90.5%
Q2 202455$5.8B13.68%2.00%0.43%96.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.91%
34th
Total risk-based capital11.97%
31st
Problem loans1.65%
13th
Net charge-offs0.14%
25th
Return on assets0.63%
12th
Net interest margin6.25%
98th
Efficiency ratio84.3%
4th
Loans to deposits87.4%
50th
Uninsured deposits26.4%
66th
Loan-loss reserves0.63%
8th
Texas ratio8.3%
22nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Third Coast BankBank Humble, TX71 out of 100, Strong$6.7B11.4%0.50%vs
Southside BankBank Tyler, TX75 out of 100, Strong$8.8B11.4%0.19%vs
Woodforest National BankBank The Woodlands, TX60 out of 100, Moderate$9.0B9.3%1.93%vs
The American National Bank of TexasBank Terrell, TX61 out of 100, Moderate$5.5B8.8%0.23%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
City BankBank Lubbock, TX75 out of 100, Strong$5.4B10.8%0.25%vs

Deposit insurance

Is my money safe at Tbk Bank, SSB?

Yes. Tbk Bank, SSB is an FDIC-insured institution (FDIC certificate #23498). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.4% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.97% (benchmark: 10%).

Check how much of your own balance is covered

62 locations

Branches

Tbk Bank, SSB lists 59 offices in 51 cities across 6 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tbk Bank, SSB reported 183 home-loan applications under HMDA (LEI 5493000B61DDZ2PG1515): 106 originated ($41,690,000 total), 34 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Tbk Bank, SSB
Former names
Equity Bank,SSB; Franklin National Bank; Triumph Savings Bank, SSB
Type
SI
FDIC certificate #
23498
RSSD ID
766164
Primary regulator
FDIC
Holding company
Triumph Financial Inc
Established
July 15, 1981
Headquarters
12700 Park Central Dr, Dallas, TX 75251
Employees
1,459

Quick answers

Tbk Bank, SSB: common questions

Is Tbk Bank, SSB FDIC insured?

Yes. Tbk Bank, SSB is an FDIC-insured institution (FDIC certificate #23498). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Tbk Bank, SSB's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Tbk Bank, SSB ever failed?

There is no failure record for FDIC certificate #23498 in the FDIC failed bank list.

How many branches does Tbk Bank, SSB have?

62 offices as of the latest FDIC data, in 6 states.

Nearby

Highest-scoring banks and credit unions with branches near Dallas

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
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