12700 Park Central Dr
Dallas, TX 75251
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Notable Rates APY Vs.Others
Savings N.A. 5.02% →
1-Year CD N.A. 5.20% →
2-Year CD N.A. 5.10% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

TBK BANK, SSB is an FDIC insured institution located in Dallas, TX. It was founded in 1981 and has approximately $5.95 billion in assets. Customers can open an account at one of its 61 branches.

FDIC Insured Yes
FDIC Certificate # 23498
Date Established 1981
Assets $ 5.95 billion
Loans $ 4.39 billion
Deposits $ 4.49 billion
Capital $ 992.44 million

For a more detailed analysis of TBK BANK, SSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - March 29, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - March 29, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for TBK BANK, SSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
6.770% 6.625%
1.00 points
$3,750 fees
$1,601 Learn More
PenFed Credit Union
NMLS ID: 401822
5.878% 5.750%
1.00 points
$3,495 fees
$1,459 Learn More
Morty, Inc.
NMLS ID: 1429243
6.077% 6.000%
0.88 points
$2,065 fees
$1,499 Learn More
NMLS ID: 1907
6.403% 6.250%
0.63 points
$4,062 fees
$1,540 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 7.490 %
After Intro: 8.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.990 %
$0 Learn More
More Info

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Climate Initiatives

TBK BANK, SSB is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

TBK BANK, SSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of TBK BANK, SSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
TBK BANK, SSB U.S. Bank Average
5.77% 8.03%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2022, TBK BANK, SSB had $59,844,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $992,441,000 in equity and $44,111,000 in loans loss reserves. That gives it a Texas Ratio of 5.77%.

Return on Equity
TBK BANK, SSB U.S. Bank Average
15.2% 10.00%

TBK BANK, SSB has a Return on Equity of 15.2% versus the BestCashCow average of 10.00%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

TBK BANK, SSB U.S. Bank Average
16.67% 9.96%

TBK BANK, SSB has a Capitalization of 16.67% versus the BestCashCow average of 9.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

TBK BANK, SSB Balance Sheet Analysis

As of September 30, 2022, TBK BANK, SSB had assets of $5,954,497,000, loans of $4,389,271,000, and deposits of $4,488,518,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2022
Cash & Balances due from depository institutions $ 421.73 million
Interest-bearing balances $ 281.79 million
Total securities $ 243.35 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 4.39 billion
Loan loss allowance $ 44.11 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 268.50 million
All other assets $ 181.83 million
     Total Assets $ 4.65 billion
Total deposits $ 4.49 billion
      Interest-bearing deposits $ 2.54 billion
      Deposits held in domestic offices $ 4.49 billion
      % insured (estimated) 52.12%
Federal funds purchased and repurchase agreements $ 13.46 million
Trading liabilities N.A.
Other borrowed funds $ 30.00 million
Subordinated debt N.A.
All other liabilities $ 109.47 million
      Total Liabilities $ 4.65 billion
      Shareholders’ Equity $ 1,305.82 million

Summary Income Statement

September 30, 2022
Total Interest Income $ 312.84 million
Total Interest Expense $ 7.55 million
Net interest income $ 305.29 million
Provision for loan and lease losses $ 5.01 million
Total non interest income $ 59.81 million
Total non interest expense $ 251.21 million
Pre-tax Net Operating Income $ 84.02 million

Bank Loan Profile?

The top three loan types in TBK BANK, SSB’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Texas, TBK BANK, SSB has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.90
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 2.45
Construction and Development Loans 2.39
Commercial Real Estate 12.15
Commercial and Industrial Loans 62.69
Farm Loans 1.30

Customer Reviews for TBK BANK, SSB

  • June 30, 2019

    CDs 12 Month Rates

    agree....finally did get thru though

  • May 9, 2019 |

    CDs 12 Month Rates

    TBK bank offers very attractive CD rates. However, it is difficult to open any account, and customer service is very poor. Tried to open a CD account two weeks ago, but have not received any responses through either phone, email or US mail.

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