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Trinity Capital Bank of Texas

Ennis, TX · Cert 13000 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Ennis Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$456.6MAssets
$358.9MLoans
$355.1MDeposits
$35.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 2 of 28).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 27 of 28).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.27%

Rank 9 of 28

Net Interest Margin

4.06%

Rank 14 of 28

Efficiency Ratio

60.89%

Rank 13 of 28

Equity / Assets

7.66%

Rank 27 of 28

Non-interest income vs. expense

$1.4M$12.0MINCOMEEXPENSE
Unfavorable gap of $10.6M · efficiency ratio beats 57% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 60.89%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%1.12%1.22%1.47%Beats 68%9 / 28
Return on Equity16.64%8.64%12.47%13.41%Beats 93%2 / 28
Net Interest Margin4.06%3.77%4.06%4.51%Beats 50%14 / 28
Efficiency Ratio60.89%57.39%61.94%66.78%Beats 57%13 / 28
Asset Quality
Nonperforming Loans / Loans0.33%n/a0.28%1.06%Beats 46%16 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 64%11 / 28
Capital
Tier 1 Capital Ratio9.56%12.55%13.77%17.51%Beats 4%27 / 28
Total Risk-Based Capital Ratio9.56%12.59%14.62%18.18%Beats 4%27 / 28
Equity / Assets7.66%9.58%11.17%13.58%Beats 4%27 / 28
Liquidity & Funding
Loans / Deposits101.08%66.90%84.79%89.14%93rd pctl2 / 28
Loans / Assets78.59%57.58%73.59%77.32%82nd pctl5 / 28
Brokered Deposits / Depositsn/aNot reported for this institution