Tbk Bank Ssb Mortgage Rates, Fees & Info
Dallas, TXLEI: 5493000B61DDZ2PG1515
Tax ID: 75-1745500
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Mortgage Data
Bank Data
Review & Overview
Tbk Bank Ssb is a smaller bank specializing in Home Purchase and Refi loans. Tbk Bank Ssb has a high proportion of conventional loans. Their top markets by origination volume include: Las Vegas, Washington, Durango, Denver, and Davenport among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)Tbk Bank Ssb has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
182Origination Dollar Volume (All Markets)
$135,130,000Employee count
1,106Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $36,385,000 | $36,385,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $26,355,000 | $26,355,000 | $0 | 0.00% |
| Durango, CO (FHA|USDA|VA) | 45 | $13,565,000 | $301,444 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 30 | $12,870,000 | $429,000 | $0 | 0.00% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 17 | $11,405,000 | $670,882 | $0 | 0.00% |
| Outside of Metro Areas | 27 | $8,685,000 | $321,667 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $7,895,000 | $1,579,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 19 | $4,615,000 | $242,895 | $0 | 0.00% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $3,055,000 | $611,000 | $0 | 0.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $0 | 0.00% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $0 | 0.00% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 0.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 0.00% |
| Clinton, IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 0.00% |
| Sterling, IL (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 0.00% |
| Sterling, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Grants, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Dixon, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 182 | $135,130,000 | $742,473 | $0 | 0.00% |
For 2019, Tbk Bank Ssb's most frequently originated type of loan was Conventional, with 182 originations.
Loan Reason
For 2019, Tbk Bank Ssb's most frequently cited loan purpose was Home Purchase, with 92 originations. The 2nd most popular reason was Refi, with 71 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 182 | $135,130,000 | $742,473 | $0 | 0.00% |
For 2019, Tbk Bank Ssb's most frequently cited loan duration was Other, with 182 originations.
Loan Sizing
2019 saw Tbk Bank Ssb place emphasis on $200k-400k loans with 62 originations, totaling $17,600,000 in origination value.
Applicant Income
Tbk Bank Ssb lent most frequently to those with incomes in the $100k-150k range, with 29 originations. The second most popular income band? $50k-75k, with 28 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 182 | $135,130,000 | $742,473 | $0 | 0.00% |
Tbk Bank Ssb lent most frequently to those with DTI ratios of Exempt%, with 182 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.44%
Tbk Bank Ssb has a below average approval rate.
Pick Rate
Approvals leading to origination70.88%
Tbk Bank Ssb has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 182 | $135,130,000 | $742,473 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TIAA, FSB | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 1.8% |
| TIAA, FSB | Conventional home mortgage | Trouble during payment process | 28 | 50.9% |
| TIAA, FSB | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 3.6% |
| TIAA, FSB | FHA mortgage | Struggling to pay mortgage | 1 | 1.8% |
| TIAA, FSB | FHA mortgage | Trouble during payment process | 1 | 1.8% |
| TIAA, FSB | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 1.8% |
| TIAA, FSB | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 1.8% |
| TIAA, FSB | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 1.8% |
| TIAA, FSB | Other type of mortgage | Struggling to pay mortgage | 1 | 1.8% |
| TIAA, FSB | Other type of mortgage | Trouble during payment process | 4 | 7.3% |
| TIAA, FSB | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 7.3% |
| TIAA, FSB | Conventional home mortgage | Closing on a mortgage | 3 | 5.5% |
| TIAA, FSB | Conventional home mortgage | Struggling to pay mortgage | 7 | 12.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| TBK BANK, SSB | 125 Sawyer Drive Durango, CO 81303 | Full Service B&M | $15,628 |
| TBK BANK, SSB | 229 Main Street Savanna, IL 61074 | Full Service B&M | $29,530 |
| TBK BANK, SSB | 259 West Ninth Street Durango, CO 81302 | Full Service B&M | $290,582 |
| TBK BANK, SSB | 1030 Main Street Springfield, CO 81073 | Full Service B&M | $26,254 |
| TBK BANK, SSB | 108 East Goff Street Granada, CO 81041 | Full Service B&M | $8,941 |
| TBK BANK, SSB | 175 East First Street Akron, CO 80720 | Full Service B&M | $12,447 |
| TBK BANK, SSB | 215 Third Avenue Sterling, IL 61081 | Full Service B&M | $22,874 |
| TBK BANK, SSB | 123 Main Street Chadwick, IL 61014 | Full Service B&M | $23,927 |
| TBK BANK, SSB | 10 Angrove Avenue Johnstown, CO 80534 | Full Service B&M | $15,987 |
| TBK BANK, SSB | 100 West Pearl Street Lamar, CO 81052 | Full Service B&M | $32,709 |
| TBK BANK, SSB | 101 North Main Holly, CO 81047 | Full Service B&M | $29,769 |
| TBK BANK, SSB | 101 West Main Street Havana, IL 62644 | Full Service B&M | $27,514 |
| TBK BANK, SSB | 102 East First Avenue Milan, IL 61264 | Full Service B&M | $24,616 |
| TBK BANK, SSB | 102 N Washington Po Box 72 Otis, CO 80743 | Full Service B&M | $14,748 |
| TBK BANK, SSB | 11145 Sheridan Boulevard Westminster, CO 80020 | Full Service B&M | $24,244 |
| TBK BANK, SSB | 1155 South Camino Del Rio Durango, CO 81303 | Full Service Retail | $13,177 |
| TBK BANK, SSB | 122 West Main Street Sterling, CO 80751 | Full Service B&M | $14,926 |
| TBK BANK, SSB | 12700 Park Central Drive, Suite 1700 Dallas, TX 75251 | Full Service B&M | $1,501,518 |
| TBK BANK, SSB | 1300 Broad Street Milliken, CO 80543 | Full Service B&M | $14,342 |
| TBK BANK, SSB | 1300 John Deere Expressway Silvis, IL 61282 | Full Service B&M | $18,535 |
| TBK BANK, SSB | 141 Colorado Avenue Stratton, CO 80836 | Full Service B&M | $30,608 |
| TBK BANK, SSB | 141 Main St Mead, CO 80542 | Full Service B&M | $28,019 |
| TBK BANK, SSB | 1515 Fortino Boulevard Pueblo, CO 81008 | Full Service B&M | $12,992 |
| TBK BANK, SSB | 1523 Eighth Street East Moline, IL 61244 | Full Service B&M | $50,206 |
| TBK BANK, SSB | 1600 East Highway 66 Gallup, NM 87301 | Full Service B&M | $7,167 |
| TBK BANK, SSB | 1700 2nd Avenue Rapid City, IL 61278 | Full Service B&M | $21,044 |
| TBK BANK, SSB | 2040 1st Street A Moline, IL 61265 | Full Service B&M | $23,786 |
| TBK BANK, SSB | 207 1st Avenue La Salle, CO 80645 | Full Service B&M | $41,816 |
| TBK BANK, SSB | 211 West Main Street Morrison, IL 61270 | Full Service B&M | $16,316 |
| TBK BANK, SSB | 2115 48th Street Moline, IL 61265 | Full Service B&M | $42,916 |
| TBK BANK, SSB | 27 Talisman Drive Pagosa Springs, CO 81147 | Full Service B&M | $31,107 |
| TBK BANK, SSB | 30 North 4th Ave Brighton, CO 80601 | Full Service B&M | $84,965 |
| TBK BANK, SSB | 309 North Clay Street Mount Carroll, IL 61053 | Full Service B&M | $45,086 |
| TBK BANK, SSB | 310 E 3rd St La Junta, CO 81050 | Full Service B&M | $39,673 |
| TBK BANK, SSB | 311 W. College Drive Durango, CO 81301 | Full Service Retail | $9,127 |
| TBK BANK, SSB | 3151 Us Highway 20 Elgin, IL 60124 | Full Service B&M | $94,405 |
| TBK BANK, SSB | 3325 West Kimberly Davenport, IA 52806 | Full Service B&M | $5,356 |
| TBK BANK, SSB | 351 Bayfield Center Drive Bayfield, CO 81122 | Full Service B&M | $58,445 |
| TBK BANK, SSB | 3650 35th Avenue Evans, CO 80620 | Full Service B&M | $7,299 |
| TBK BANK, SSB | 399 West 4th Avenue Severance, CO 80546 | Full Service B&M | $7,233 |
| TBK BANK, SSB | 401 Coffman Street Longmont, CO 80501 | Full Service B&M | $8,424 |
| TBK BANK, SSB | 418 8th Street Dacono, CO 80514 | Full Service B&M | $39,165 |
| TBK BANK, SSB | 423 Broadway Tribune, KS 67879 | Full Service B&M | $17,228 |
| TBK BANK, SSB | 432 Morton Street Elkhart, KS 67950 | Full Service B&M | $16,878 |
| TBK BANK, SSB | 4900 E. Bromley Lane Brighton, CO 80601 | Full Service B&M | $54,536 |
| TBK BANK, SSB | 5210 Jersey Ridge Road Davenport, IA 52807 | Full Service B&M | $49,949 |
| TBK BANK, SSB | 550 East Woodward Avenue Keenesburg, CO 80643 | Full Service B&M | $71,555 |
| TBK BANK, SSB | 56641 Colfax Avenue Strasburg, CO 80136 | Full Service B&M | $22,845 |
| TBK BANK, SSB | 580 Dahlia Street Hudson, CO 80642 | Full Service B&M | $23,867 |
| TBK BANK, SSB | 5855 Firestone Blvd Firestone, CO 80504 | Full Service B&M | $12,181 |
| TBK BANK, SSB | 615 West 8th Street Yuma, CO 80759 | Full Service B&M | $29,580 |
| TBK BANK, SSB | 6171 North Washington Denver, CO 80216 | Full Service B&M | $41,591 |
| TBK BANK, SSB | 701 42nd Avenue East Moline, IL 61244 | Full Service B&M | $60,387 |
| TBK BANK, SSB | 703 San Juan Street Pagosa Springs, CO 81147 | Full Service B&M | $34,540 |
| TBK BANK, SSB | 725 Highway 24 North Buena Vista, CO 81211 | Full Service B&M | $2,067 |
| TBK BANK, SSB | 7401 Jefferson Street Northeast Albuquerque, NM 87109 | Full Service B&M | $18,398 |
| TBK BANK, SSB | 801 Main St Fairplay, CO 80440 | Full Service B&M | $79,964 |
| TBK BANK, SSB | 801 North Main Street Canton, IL 61520 | Full Service B&M | $20,134 |
| TBK BANK, SSB | 824 West Santa Fe Avenue Grants, NM 87020 | Full Service B&M | $110,920 |
| TBK BANK, SSB | 852 Middle Road, Duck Creek Mall, Space #101 Bettendorf, IA 52722 | Full Service B&M | $84,652 |
| TBK BANK, SSB | 94 S Tiffany Pueblo West, CO 81007 | Full Service B&M | $56,682 |
For 2019, Tbk Bank Ssb had 61 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $309,991 |
| Net interest income | $261,205 |
| Total noninterest income | $31,147 |
| Gross Fiduciary activities income | $8 |
| Service charges on deposit accounts | $7,132 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $24,007 |
| Pre-tax net operating income | $83,933 |
| Securities gains (or losses, -) | $455 |
| Income before extraordinary items | $67,293 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $67,293 |
| Minority interest net income | $0 |
| Net income | $67,293 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $66,929 |
Tbk Bank Ssb's gross interest income from loans was $309,991,000.
Tbk Bank Ssb's net interest income from loans was $261,205,000.
Tbk Bank Ssb's fee based income from loans was $7,132,000.
Tbk Bank Ssb's net income from loans was $67,293,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $48,786 |
| Provision for credit losses | $8,019 |
| Total noninterest expense | $200,400 |
| Salaries and employee benefits | $112,040 |
| Premises and equipment expense | $17,536 |
| Additional noninterest expense | $70,824 |
| Applicable income taxes | $17,095 |
| Net charge-offs | $6,422 |
| Cash dividends | $30,500 |
Tbk Bank Ssb's interest expense for loans was $48,786,000.
Tbk Bank Ssb's payroll and benefits expense were $112,040,000.
Tbk Bank Ssb's property, plant and equipment expenses $17,536,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 2.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 1.0% |
| Credit card loans | 0.0% |
| Other individual loans | 1.0% |
| Auto loans | 1.0% |
| Other consumer loans | 1.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $3,818,360 |
| Deposits held in domestic offices | $3,818,360 |
| Deposits by Individuals, partnerships, and corporations | $3,650,405 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $165,537 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,417 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $349,823 |
| Demand deposits | $320,495 |
| Nontransaction accounts | $3,468,536 |
| Money market deposit accounts (MMDAs) | $497,105 |
| Other savings deposits (excluding MMDAs) | $1,431,921 |
| Total time deposits | $1,539,511 |
| Total time and savings deposits | $3,497,864 |
| Noninterest-bearing deposits | $838,150 |
| Interest-bearing deposits | $2,980,210 |
| Retail deposits | $3,251,716 |
| IRAs and Keogh plan accounts | $104,472 |
| Brokered deposits | $350,615 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,037,604 |
| Cash & Balances due from depository institutions | $190,246 |
| Interest-bearing balances | $122,499 |
| Total securities | $254,258 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $4,166,643 |
| Loan and leases loss allowance | $29,085 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $112,432 |
| Other real estate owned | $3,009 |
| Goodwill and other intangibles | $190,286 |
| All other assets | $120,730 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,037,604 |
| Total Liabilities | $4,324,256 |
| Total deposits | $3,818,360 |
| Interest-bearing deposits | $2,980,210 |
| Deposits held in domestic offices | $3,818,360 |
| % insured (estimated) | $64 |
| Federal funds purchased and repurchase agreements | $2,033 |
| Trading liabilities | $0 |
| Other borrowed funds | $451,041 |
| Subordinated debt | $0 |
| All other liabilities | $52,822 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $4,166,643 |
| Loan and leases loss allowance | $29,085 |
| Total loans and leases (domestic) | $4,195,728 |
| All real estate loans | $1,551,793 |
| Real estate loans in domestic offices | $1,551,793 |
| Construction and development loans | $177,882 |
| Residential 1-4 family construction | $20,678 |
| Other construction, all land development and other land | $157,204 |
| Loans secured by nonfarm nonresidential properties | $770,281 |
| Nonfarm nonresidential secured by owner-occupied properties | $267,129 |
| Commercial real estate & other non-farm, non-residential | $503,152 |
| Multifamily residential real estate | $251,082 |
| 1-4 family residential loans | $189,441 |
| Farmland loans | $163,107 |
| Loans held in foreign offices | $0 |
| Farm loans | $118,337 |
| Commercial and industrial loans | $1,810,460 |
| To non-U.S. addressees | $1,180 |
| Loans to individuals | $21,937 |
| Credit card loans | $0 |
| Related Plans | $1,999 |
| Consumer Auto Loans | $4,280 |
| Other loans to individuals | $15,658 |
| All other loans & leases | $693,200 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $668,924 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $331 |
| Non 1-4 family restructured loans & leases | $259 |
| Total loans and leases (foreign) | $0 |
TBK BANK SSB had $4,166,643,000 of loans outstanding in 2019. $1,551,793,000 of loans were in real estate loans. $177,882,000 of loans were in development loans. $251,082,000 of loans were in multifamily mortgage loans. $189,441,000 of loans were in 1-4 family mortgage loans. $118,337,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,280,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 770 | $172,427 | $223,931 |
| Nonfarm, nonresidential loans - <$100k | 144 | $5,205 | $36,146 |
| Nonfarm, nonresidential loans - $100-250k | 239 | $27,716 | $115,967 |
| Nonfarm, nonresidential loans - $250k-1MM | 387 | $139,506 | $360,481 |
| Commercial & Industrial, US addressed loans - <$1MM | 20,361 | $844,191 | $41,461 |
| Commercial & Industrial, US addressed loans - <$100k | 17,521 | $196,633 | $11,223 |
| Commercial & Industrial, US addressed loans - $100-250k | 1,566 | $191,952 | $122,575 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,274 | $455,606 | $357,619 |
| Farmland loans - <$1MM | 331 | $47,403 | $143,211 |
| Farmland loans - <$100k | 107 | $4,299 | $40,178 |
| Farmland loans - $100-250k | 117 | $14,500 | $123,932 |
| Farmland loans - $250k-1MM | 107 | $28,604 | $267,327 |
| Agriculture operations loans - <$1MM | 982 | $61,189 | $62,311 |
| Agriculture operations loans - <$100k | 668 | $16,013 | $23,972 |
| Agriculture operations loans - $100-250k | 199 | $19,952 | $100,261 |
| Agriculture operations loans - $250k-1MM | 115 | $25,224 | $219,339 |