-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 kSLHB1Z8xJdBfo4MyzPEZA==

<SEC-DOCUMENT>0001140361-07-003691.txt : 20070215
<SEC-HEADER>0001140361-07-003691.hdr.sgml : 20070215
<ACCEPTANCE-DATETIME>20070215172009
ACCESSION NUMBER:		0001140361-07-003691
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20070213
FILED AS OF DATE:		20070215
DATE AS OF CHANGE:		20070215

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			YOUNKERS MILLARD J JR
		CENTRAL INDEX KEY:			0001227150

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-21329
		FILM NUMBER:		07628462

	MAIL ADDRESS:	
		STREET 1:		PO BOX 2808
		STREET 2:		BANK OF THE KEYS
		CITY:			KEY LARGO
		STATE:			FL
		ZIP:			33037

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TIB FINANCIAL CORP.
		CENTRAL INDEX KEY:			0001013796
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				650655973
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		599 9TH STREET NORTH
		STREET 2:		SUITE 101
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102-5624
		BUSINESS PHONE:		239-263-3344

	MAIL ADDRESS:	
		STREET 1:		599 9TH STREET NORTH
		STREET 2:		SUITE 101
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102-5624

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TIB FINANCIAL CORP
		DATE OF NAME CHANGE:	19960508
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2007-02-13</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001013796</issuerCik>
        <issuerName>TIB FINANCIAL CORP.</issuerName>
        <issuerTradingSymbol>TIBB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001227150</rptOwnerCik>
            <rptOwnerName>YOUNKERS MILLARD J JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>99451 OVERSEAS HIGHWAY</rptOwnerStreet1>
            <rptOwnerStreet2>P.O. BOX 2808</rptOwnerStreet2>
            <rptOwnerCity>KEY LARGO</rptOwnerCity>
            <rptOwnerState>FL</rptOwnerState>
            <rptOwnerZipCode>33037</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>TIB Bank EVP/SW Fl. Reg. Pres.</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock, $.10 par value</value>
            </securityTitle>
            <transactionDate>
                <value>2007-02-13</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>2000</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>16.85</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2420</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>ESOP</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock, $.10 par value</value>
            </securityTitle>
            <transactionDate>
                <value>2007-02-15</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>50000</value>
                    <footnoteId id="F2"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>6.75</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>67992</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>6.20</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2003-03-26</value>
            </exerciseDate>
            <expirationDate>
                <value>2009-03-26</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>40000</value>
                    <footnoteId id="F3"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>40000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">The sale of 2,000 shares was for the purpose of rebalancing Mr. Younker's 401K Portfolio.</footnote>
        <footnote id="F2">Mr. Younkers exercised 50,000 stock option shares at $6.75</footnote>
        <footnote id="F3">3/26/2002 - 40,000 shares were granted at $6.20 per share vesting over six years - 6,600 shares per year on grant date anniversary with 7,000 shares vesting in year 6 (2008), expiring 3/26/2009.</footnote>
    </footnotes>

    <remarks>All stock owned and stock option grants split 2-for-1 October 23, 2006 and began trading on NASDAQ on a split-adjusted basis on October 24, 2006.</remarks>

    <ownerSignature>
        <signatureName>Vicki L. Walker, Attorney-In-Fact for Millard J. Younkers, Jr.</signatureName>
        <signatureDate>2007-02-15</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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