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First National Bank of Trenton, The

Trenton, TX · Cert 5558

FDIC · 5 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=225 to 228). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q1 2025peer median (50)

Asset Quality

54

Q2 2024Q1 2025peer median (50)

Profitability

47

Q2 2024Q1 2025peer median (50)

Liquidity

0

Q2 2024Q1 2025peer median

Efficiency

38

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Trenton, The

Trenton, TX · Cert 5558

FDIC · 5 branches

Q1 2025

$330.5MAssets
$289.3MLoans
$283.2MDeposits
$44.5MEquity
Loan mix
68%RE $136.6M29%C&I $57.7M3%Consumer $7.0MQ2 2023Q1 2025
Deposit mix
77%Interest-bearing $217.5M23%Noninterest $65.7MQ2 2023Q1 2025

Market Position · Dallas-Fort Worth-Arlington, TX · 2024 SOD (annual) · 0.0% share · #124 of 172 inst. · $0.1B of $654.0B

24.2% Fannin
0.1% Tarrant
0.1% Collin

Executive Summary

  • Earnings: ROA of 1.04%, up 82 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.06% of loans (+3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.55%, down 3 bps from a year ago.
  • Funding: loans stand at 102.16% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

1.04%+82 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+51 bps YoY

Efficiency Ratio (YTD, annualized)

67.99%-2,198 bps YoY

Tier 1 Leverage Ratio

12.55%-3 bps YoY

NIM

4.74%Q1 ’235.63%Q1 ’245.99%Q1 ’25-8%+15%

Non-interest income vs. expense

3.33%Q1 ’233.40%Q1 ’242.90%Q1 ’25+2%-15%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.50%0.47%0.71%0.22%0.30%0.39%0.43%1.04%+82 bps
Return on Equity4.00%3.79%5.69%1.70%2.38%3.05%3.39%7.87%+617 bps
Net Interest Margin3.44%3.50%3.42%3.46%3.54%3.41%3.54%3.97%+51 bps
Efficiency Ratio81.91%82.48%75.93%89.98%87.94%85.37%84.13%67.99%-2,198 bps
Non-Interest Burden2.80%2.87%2.47%3.12%3.11%2.91%2.97%2.66%-46 bps
Growth
Asset Growth (YoY)13.32%10.66%12.94%-4.89%0.39%4.50%0.74%1.99%+687 bps
Loan Growth (YoY)10.43%7.85%6.70%6.90%0.80%6.54%8.06%0.51%-639 bps
Deposit Growth (YoY)14.89%11.96%14.10%-6.35%-0.02%4.60%0.83%2.00%+835 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.08%0.03%0.03%0.00%0.05%0.05%0.06%+3 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.01%0.03%0.01%0.00%0.02%+1 bps
Allowance / Loans1.08%1.09%1.11%1.09%1.09%1.05%1.03%1.05%-4 bps
Allowance Coverage of NPLs10.1x13.4x39.2x39.8xn/a19.4x19.3x18.9x-20.8x
Capital
Tier 1 Leverage Ratio11.52%11.96%12.12%12.58%12.63%11.98%12.30%12.55%-3 bps
Total Risk-Based Capital14.12%14.72%14.78%14.29%14.58%13.94%13.92%14.74%+45 bps
Equity / Assets11.95%12.40%12.65%13.07%12.49%12.57%12.95%13.47%+40 bps
Liquidity & Funding
Loans / Deposits94.66%98.18%97.46%103.68%95.44%100.00%104.45%102.16%-152 bps
Liquid Assets / Assets11.53%8.91%10.24%5.18%11.77%7.86%4.41%7.02%+184 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Trenton, The

Trenton, TX · Cert 5558 · Peer group: banks under $1B in assets in TX (n=225-228)

FDIC · 5 branches

Q1 2025

$330.5MAssets
$289.3MLoans
$283.2MDeposits
$44.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 83% of banks under $1B in assets in TX (rank 38 of 228).
  • Widest gap: return on equity trails 72% of banks under $1B in assets in TX (rank 161 of 225).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.05%

Rank 122 of 228

Net Interest Margin

3.97%

Rank 76 of 228

Efficiency Ratio

69.33%

Rank 142 of 228

Equity / Assets

13.47%

Rank 38 of 228

Non-interest income vs. expense

$0.8M$10.0MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 38% of banks under $1B in assets in TX
Bank 69.33%Peer median 65.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%0.76%1.09%1.48%Beats 46%122 / 228
Return on Equity7.79%6.96%10.63%14.91%Beats 28%161 / 225
Net Interest Margin3.97%3.07%3.63%4.25%Beats 67%76 / 228
Efficiency Ratio69.33%55.39%65.15%74.18%Beats 38%142 / 228
Asset Quality
Nonperforming Loans / Loans0.06%0.01%0.22%0.67%Beats 65%80 / 225
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 43%129 / 225
Capital
Tier 1 Capital Ratio13.74%11.65%14.55%19.25%Beats 45%125 / 228
Total Risk-Based Capital Ratio14.74%11.69%14.89%20.30%Beats 48%118 / 228
Equity / Assets13.47%8.58%10.37%12.02%Beats 83%38 / 228
Liquidity & Funding
Loans / Deposits102.16%47.92%67.81%82.04%97th pctl6 / 225
Loans / Assets87.53%42.11%58.88%69.86%99th pctl3 / 225
Brokered Deposits / Depositsn/aNot reported for this institution