Tbk Bank SSB
Dallas, Texas · FDIC Cert #23498
Tbk Bank SSB is an FDIC-insured bank (Certificate #23498) with $5.8B in total assets and $4.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Dallas, Texas, the bank maintains a Tier 1 capital ratio of 14.96% (Well-Capitalized) and a nonperforming loan ratio of 2.00%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Tbk Bank SSB (FDIC cert 23498) is a mid-sized bank with $5.8B in total assets and $4.4B in deposits, based in Dallas, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.96% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 2.00% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.54% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Tbk Bank SSB carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Tbk Bank SSB
- Total Assets
- $5.8B
- Total Deposits
- $4.4B
- Tier 1 Capital Ratio
- 14.96%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.00%
- Liquidity Ratio
- 14.62%
- Return on Assets
- 0.54%
- Headquarters
- Dallas, Texas
- FDIC Certificate
- #23498
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Tbk Bank SSB holds a Tier 1 capital ratio of 14.96%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Tbk Bank SSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Tbk Bank SSB shows strong financial health indicators. With $5.8B in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Tbk Bank SSB Compares
Tbk Bank SSB’s Health Score of 67 is 7 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 14.96% Tier 1 capital ratio is 1.0 points above the US banking industry average near 14%. The 2.00% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.54% is below the national ROA benchmark of ~1.1%. Among 255 similarly-sized banks, the average Health Score is 74, meaning this bank ranks below its size cohort. Site-wide, Tbk Bank SSB is 3 points below the portfolio average of 70.
Frequently Asked Questions
Tbk Bank SSB has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.96%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Tbk Bank SSB's Tier 1 capital ratio of 14.96% and nonperforming loan ratio of 2.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Tbk Bank SSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #23498). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Tbk Bank SSB holds $5.8B in total assets and $4.4B in total deposits. It is headquartered in Dallas, Texas (FDIC Certificate #23498).
Tbk Bank SSB has a Tier 1 capital ratio of 14.96%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.00%, and the return on assets is 0.54%.
Yes. Tbk Bank SSB is FDIC-insured (Certificate #23498). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Tbk Bank SSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.