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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Date of Report (Date of earliest event
reported): June 27, 2012&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>T Bancshares, Inc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Exact name of registrant as specified
in its charter)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="width: 28%; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 7%; vertical-align: bottom; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 28%; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 7%; vertical-align: bottom; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 28%; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">Texas</TD>
    <TD STYLE="vertical-align: bottom; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">333-1111153</TD>
    <TD STYLE="vertical-align: bottom; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">71-0919962</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(State or other jurisdiction</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>of incorporation)</B></P></TD>
    <TD STYLE="vertical-align: bottom; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">(Commission File Number)</TD>
    <TD STYLE="vertical-align: bottom; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(I.R.S. Employer</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Identification No.)</B></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 46%; vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">16000 Dallas Parkway, Suite 125, Dallas, Texas</TD>
    <TD STYLE="width: 43%; vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">75248</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">(Address of principal executive offices)</TD>
    <TD STYLE="vertical-align: top; text-autospace: none; font-weight: bold; text-align: center; padding: 0; text-indent: 0">(Zip Code)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Registrant&rsquo;s telephone number,
including area code: (972) 720-9000</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; text-autospace: none; font-family: Wingdings; padding: 0; text-indent: 0">&uml;</TD>
    <TD STYLE="width: 95%; text-autospace: none; padding: 0; text-indent: 0">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; text-autospace: none; font-family: Wingdings; padding: 0; text-indent: 0">&uml;</TD>
    <TD STYLE="width: 95%; text-autospace: none; padding: 0; text-indent: 0">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; text-autospace: none; font-family: Wingdings; padding: 0; text-indent: 0">&uml;</TD>
    <TD STYLE="width: 95%; text-autospace: none; padding: 0; text-indent: 0">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; text-autospace: none; font-family: Wingdings; padding: 0; text-indent: 0">&uml;</TD>
    <TD STYLE="width: 95%; text-autospace: none; padding: 0; text-indent: 0">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 7.01</B>&nbsp;<B>Regulation FD Disclosure.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On June 27, 2012, T Bancshares, Inc. (the
&ldquo;Company&rdquo;) held its 2012 annual meeting of shareholders. At the Company&rsquo;s annual meeting, the Company gave a
presentation to attendees regarding the Agreement between the Company&rsquo;s wholly-owned subsidiary, T Bank, N.A., and the Office
of the Comptroller of the Currency. A copy of the presentation to attendees at the annual meeting is attached as Exhibit 99.1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">By filing this Current Report on Form 8-K,
the Company does not acknowledge that disclosure of this information is required by Regulation FD or that the information was material
or non-public before disclosure. The Company assumes no obligation to update or supplement forward-looking statements in the speech
or presentation that become untrue because of new information, subsequent events, or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information furnished in this Current
Report on Form 8-K shall not be deemed to be &ldquo;filed&rdquo; for purposes of Section&nbsp;18 of the Securities Exchange Act
of 1934 (the &ldquo;Exchange Act&rdquo;) or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated
by reference in any filing under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language
in such filing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CAUTION REGARDING FORWARD-LOOKING STATEMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">This report contains
forward-looking statements regarding the Company (&ldquo;we&rdquo;, &ldquo;our&rdquo; and &ldquo;us&rdquo;) within the meaning
of Section 27A of the Securities Act of 1933 and 21E of the Securities Exchange Act of 1934.&nbsp;&nbsp;These forward-looking statements
include statements that reflect the current views of our senior management with respect to our financial performance and future
events with respect to our business and the banking industry in general.&nbsp;&nbsp;These statements are often, but not always,
made through the use of words or phrases such as &ldquo;may,&rdquo; &ldquo;should,&rdquo; &ldquo;could,&rdquo; &ldquo;predict,&rdquo;
&ldquo;potential,&rdquo; &ldquo;believe,&rdquo; &ldquo;will likely result,&rdquo; &ldquo;expect,&rdquo; &ldquo;will continue,&rdquo;
&ldquo;anticipate,&rdquo; &ldquo;seek,&rdquo; &ldquo;estimate,&rdquo; &ldquo;intend,&rdquo; &ldquo;plan,&rdquo; &ldquo;projection,&rdquo;
&ldquo;would&rdquo; and &ldquo;outlook&rdquo; and similar expressions of a future or forward-looking nature.&nbsp;&nbsp;These statements
involve estimates, assumptions, risks and uncertainties.&nbsp;&nbsp;Accordingly, there are or will be important factors that could
cause our actual results to differ materially from those indicated in these statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">We believe that these
factors include, but are not limited to, the following: changes in the strength of the United States economy in general and the
local economy in our local market areas adversely affecting our customers and their ability to transact profitable business with
us, including the ability of our borrowers to repay their loans according to their terms or a change in the value of the related
collateral; changes in interest rates and market prices, which could reduce our net interest margins, asset valuations and expense
expectations; changes in the levels of loan prepayments and the resulting effects on the value of our loan portfolio; increased
competition for deposits and loans adversely affecting rates and terms; increased credit risk in our assets and increased operating
risk caused by a material change in commercial, consumer and/or real estate loans as a percentage of the total loan portfolio;&nbsp;&nbsp;the
failure of assumptions underlying the establishment of and provisions made to our allowance for credit losses; changes in the availability
of funds resulting in increased costs or reduced liquidity; a determination or downgrade in the credit quality and credit agency
ratings of the securities in our securities portfolio; increased asset levels and changes in the composition of assets and the
resulting impact on our capital levels and regulatory capital ratios; the loss of senior management or operating personnel and
the potential inability to hire qualified personnel at reasonable compensation levels; government intervention in the U.S. financial
system; changes in statutes and government regulations or their interpretations applicable to us, including changes in tax requirements
and tax rates; acts of terrorism, an outbreak of hostilities or other international or domestic calamities, weather or other acts
of God and other matters beyond our control; and other risks and uncertainties listed from time to time in our reports and documents
filed with the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">The foregoing factors
should not be construed as exhaustive and should be read together with the other cautionary statements included in this Report.&nbsp;&nbsp;If
one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect,
actual results may differ materially from what we anticipate.&nbsp;&nbsp;Accordingly, you should not place undue reliance on any
such forward-looking statements.&nbsp;&nbsp;Any forward-looking statement speaks only as of the date on which it is made and we
do not undertake any obligation to update any forward-looking statement or statements to reflect events or circumstances after
the date on which such statement is made or to reflect the occurrence of unanticipated events.&nbsp;&nbsp;New factors emerge from
time to time, and it is not possible for us to predict which will arise.&nbsp;&nbsp;In addition, we cannot assess the impact of
each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially
from those contained in any forward-looking statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; padding: 0; text-autospace: none; font-weight: bold; text-indent: 0"><FONT STYLE="font-size: 10pt">Item
    9.01</FONT></TD>
    <TD STYLE="width: 90%; padding: 0; text-autospace: none; font-weight: bold; text-indent: 0"><FONT STYLE="font-size: 10pt">Financial
    Statements and Exhibits</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d) Exhibits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following exhibit is filed as part
of this Current Report:</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0; text-decoration: none"><FONT STYLE="font-size: 10pt">Exhibit
    No.</FONT></TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0; text-decoration: none"><FONT STYLE="font-size: 10pt">Description</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0"><FONT STYLE="font-size: 10pt">Exhibit
    99.1</FONT></TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0"><FONT STYLE="font-size: 10pt">Progress Report on Agreement, dated April 15, 2010, with the Office of the Comptroller of the Currency.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 49.5pt">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 49.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 5%; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 45%; text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-autospace: none; font-weight: normal; padding: 0; text-indent: 0; font-style: normal">T Bancshares, Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp; &nbsp;&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp; &nbsp;&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp; &nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; padding: 0; text-indent: 0">Date: June 27, 2012</TD>
    <TD STYLE="text-autospace: none; padding: 0; text-indent: 0">By:&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 0; text-autospace: none; text-indent: 0">&nbsp;/s/ Patrick Howard</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-autospace: none; padding: 0; text-indent: 0">Patrick Howard</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-autospace: none; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-autospace: none; padding: 0; text-indent: 0">President &amp; CEO</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EXHIBIT INDEX</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="width: 20%; vertical-align: top; text-autospace: none; font-weight: bold">Exhibit No.</TD>
    <TD STYLE="width: 2%; vertical-align: bottom; text-autospace: none">&nbsp;</TD>
    <TD STYLE="width: 78%; vertical-align: top; text-autospace: none; font-weight: bold">Description of Exhibit</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-autospace: none; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-autospace: none">&nbsp;</TD>
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    <TD STYLE="vertical-align: top; text-autospace: none">Progress Report on Agreement, dated April 15, 2010, with the Office of the Comptroller of the Currency</TD></TR>
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[{"type": "8-K", "sequence": "1", "filename": "v317157_8k.htm", "description": "FORM 8-K", "secsgml_size_bytes": 25802}]
{"company-data": {"conformed-name": "T Bancshares, Inc.", "cik": "0001272754", "assigned-sic": "6021", "irs-number": "710919962", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-51297", "film-number": "12930126"}, "business-address": {"street1": "15950 DALLAS PARKWAY", "street2": "STE 525", "city": "DALLAS", "state": "TX", "zip": "75248", "phone": "(972) 720-9000"}, "mail-address": {"street1": "15950 DALLAS PARKWAY", "street2": "STE 525", "city": "DALLAS", "state": "TX", "zip": "75248"}, "former-company": {"former-conformed-name": "FIRST METROPLEX CAPITAL INC", "date-changed": "20031211"}}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event
reported): June 27, 2012
T Bancshares, Inc.
(Exact name of registrant as specified
in its charter)
Texas
333-1111153
71-0919962
(State or other jurisdiction
of incorporation)
(Commission File Number)
(I.R.S. Employer
Identification No.)
16000 Dallas Parkway, Suite 125, Dallas, Texas
75248
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number,
including area code: (972) 720-9000
Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):
¨
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
¨
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
¨
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 7.01
Regulation FD Disclosure.
On June 27, 2012, T Bancshares, Inc. (the
"Company") held its 2012 annual meeting of shareholders. At the Company's annual meeting, the Company gave a
presentation to attendees regarding the Agreement between the Company's wholly-owned subsidiary, T Bank, N.A., and the Office
of the Comptroller of the Currency. A copy of the presentation to attendees at the annual meeting is attached as Exhibit 99.1.
By filing this Current Report on Form 8-K,
the Company does not acknowledge that disclosure of this information is required by Regulation FD or that the information was material
or non-public before disclosure. The Company assumes no obligation to update or supplement forward-looking statements in the speech
or presentation that become untrue because of new information, subsequent events, or otherwise.
The information furnished in this Current
Report on Form 8-K shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act
of 1934 (the "Exchange Act") or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated
by reference in any filing under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language
in such filing.
CAUTION REGARDING FORWARD-LOOKING STATEMENTS
This report contains
forward-looking statements regarding the Company ("we", "our" and "us") within the meaning
of Section 27A of the Securities Act of 1933 and 21E of the Securities Exchange Act of 1934.  These forward-looking statements
include statements that reflect the current views of our senior management with respect to our financial performance and future
events with respect to our business and the banking industry in general.  These statements are often, but not always,
made through the use of words or phrases such as "may," "should," "could," "predict,"
"potential," "believe," "will likely result," "expect," "will continue,"
"anticipate," "seek," "estimate," "intend," "plan," "projection,"
"would" and "outlook" and similar expressions of a future or forward-looking nature.  These statements
involve estimates, assumptions, risks and uncertainties.  Accordingly, there are or will be important factors that could
cause our actual results to differ materially from those indicated in these statements.
We believe that these
factors include, but are not limited to, the following: changes in the strength of the United States economy in general and the
local economy in our local market areas adversely affecting our customers and their ability to transact profitable business with
us, including the ability of our borrowers to repay their loans according to their terms or a change in the value of the related
collateral; changes in interest rates and market prices, which could reduce our net interest margins, asset valuations and expense
expectations; changes in the levels of loan prepayments and the resulting effects on the value of our loan portfolio; increased
competition for deposits and loans adversely affecting rates and terms; increased credit risk in our assets and increased operating
risk caused by a material change in commercial, consumer and/or real estate loans as a percentage of the total loan portfolio;  the
failure of assumptions underlying the establishment of and provisions made to our allowance for credit losses; changes in the availability
of funds resulting in increased costs or reduced liquidity; a determination or downgrade in the credit quality and credit agency
ratings of the securities in our securities portfolio; increased asset levels and changes in the composition of assets and the
resulting impact on our capital levels and regulatory capital ratios; the loss of senior management or operating personnel and
the potential inability to hire qualified personnel at reasonable compensation levels; government intervention in the U.S. financial
system; changes in statutes and government regulations or their interpretations applicable to us, including changes in tax requirements
and tax rates; acts of terrorism, an outbreak of hostilities or other international or domestic calamities, weather or other acts
of God and other matters beyond our control; and other risks and uncertainties listed from time to time in our reports and documents
filed with the Securities and Exchange Commission.
The foregoing factors
should not be construed as exhaustive and should be read together with the other cautionary statements included in this Report.  If
one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect,
actual results may differ materially from what we anticipate.  Accordingly, you should not place undue reliance on any
such forward-looking statements.  Any forward-looking statement speaks only as of the date on which it is made and we
do not undertake any obligation to update any forward-looking statement or statements to reflect events or circumstances after
the date on which such statement is made or to reflect the occurrence of unanticipated events.  New factors emerge from
time to time, and it is not possible for us to predict which will arise.  In addition, we cannot assess the impact of
each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially
from those contained in any forward-looking statements.
Item
    9.01
Financial
    Statements and Exhibits
(d) Exhibits.
The following exhibit is filed as part
of this Current Report:
Exhibit
    No.
Description
Exhibit
    99.1
Progress Report on Agreement, dated April 15, 2010, with the Office of the Comptroller of the Currency.
SIGNATURE
Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
T Bancshares, Inc.
Date: June 27, 2012
By:
/s/ Patrick Howard
Patrick Howard
President & CEO
EXHIBIT INDEX
Exhibit No.
Description of Exhibit
99.1
Progress Report on Agreement, dated April 15, 2010, with the Office of the Comptroller of the Currency