Bank · FDIC insured
T Bank
A $1.1B bank headquartered in Dallas, TX, with 2 branches in Texas. Best rates: CDs 4.52% and savings 0.75% APY.
T Bank Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#64 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About T Bank
T Bank is a federally chartered national bank owned by Tectonic Financial, Inc. that specializes in SBA and commercial lending.
- Headquarters
- 16200 Dallas Pkwy, Dallas, TX 75248
- FDIC certificate
- 57703 ↗
Branches
2 branches in Texas
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Texas
2 branches
Dallas area · 1
- T Bank, National AssociationMain office16200 Dallas Pkwy, Dallas, TX 75248Directions
Houston area · 1
- Southeast Texas Mobile Branch600 Travis St, Houston, TX 77002Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.67% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 2.89% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.22% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalLeverage ratio10.67%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent2.89%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.22%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of T Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.