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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0001140361-09-002971.txt : 20090206
<SEC-HEADER>0001140361-09-002971.hdr.sgml : 20090206
<ACCEPTANCE-DATETIME>20090206184417
ACCESSION NUMBER:		0001140361-09-002971
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20081231
FILED AS OF DATE:		20090206
DATE AS OF CHANGE:		20090206

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BRICKER RICHARD C JR
		CENTRAL INDEX KEY:			0001272432

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-21329
		FILM NUMBER:		09578644

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		2392633344

	MAIL ADDRESS:	
		STREET 1:		TIB BANK
		STREET 2:		599 9TH STREET NO. SUITE 101
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102

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>5
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 5
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2008-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001272432</rptOwnerCik>
            <rptOwnerName>BRICKER RICHARD C JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>599 9TH STREET NORTH</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 101</rptOwnerStreet2>
            <rptOwnerCity>NAPLES</rptOwnerCity>
            <rptOwnerState>FL</rptOwnerState>
            <rptOwnerZipCode>34102</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>1</isOther>
            <officerTitle></officerTitle>
            <otherText>CoVC/CGNC Ch/Oside Lead Direct</otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock, $.10 par value</value>
            </securityTitle>
            <transactionDate>
                <value>2008-12-31</value>
                <footnoteId id="F1"/>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>495</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>16895</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock, $.10 par value</value>
            </securityTitle>
            <transactionDate>
                <value>2008-12-31</value>
                <footnoteId id="F1"/>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>18</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>618</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>401(K) FBO Richard C. Bricker, Jr.</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Options</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>11.06</value>
            </conversionOrExercisePrice>
            <transactionCoding>
                <transactionFormType></transactionFormType>
            </transactionCoding>
            <exerciseDate>
                <value>2004-01-27</value>
            </exerciseDate>
            <expirationDate>
                <value>2014-01-28</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>10303</value>
                    <footnoteId id="F2"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>10303</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">TIB Financial Corp. declared a 1% stock dividend payable to all holders of record of common stock on 7/7/08, 9/30/08, and 12/31/08, respectively, which was distributed on 7/17/08, 10/10/08 and 1/10/09, respectively.  The reporting person acquired 164 shares, 165 shares and 166 shares, respectively, on each distribution date.  The 401(K) acquired 6 shares, 6 shares and 6 shares, respectively, on each distribution date.</footnote>
        <footnote id="F2">10,303 stock options granted 1/27/2004 at $11.06 exercisable at any time from time to time during the period expiring 1/28/2014.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Vicki L. Walker, Attorney-In-Fact for Richard C. Bricker, Jr.</signatureName>
        <signatureDate>2009-02-06</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----