High areal capacity and low-temperature ability are critical for lithium-ion batteries (LIBs). This paper explores modulating the active electronic states of TiNb<sub>2</sub>O<sub>7</sub> using dopants and oxygen vacancies to enhance low-temperature performance. Femtosecond laser-based transient absorption spectroscopy reveals that localized structure polarization leads to improved electron/ion transport and Li<sup>+</sup> adsorption. At a high mass loading of 10 mg cm<sup>−2</sup> and −30 °C, TiNb<sub>2</sub>O<sub>7</sub>@N microflowers show stable cycling with 92.9% capacity retention over 250 cycles. Even at −40 °C, a competitive areal capacity of 1.32 mAh cm<sup>−2</sup> is achieved.