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
Unfavorable gap of $9.1M · efficiency ratio beats 38% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.76% | 1.09% | 1.48% | Beats 46% | 122 / 228 | | |
| Return on Equity | 7.79% | 6.96% | 10.63% | 14.91% | Beats 28% | 161 / 225 | | |
| Net Interest Margin | 3.97% | 3.07% | 3.63% | 4.25% | Beats 67% | 76 / 228 | | |
| Efficiency Ratio | 69.33% | 55.39% | 65.15% | 74.18% | Beats 38% | 142 / 228 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.01% | 0.22% | 0.67% | Beats 65% | 80 / 225 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 43% | 129 / 225 | | |
| Capital |
| Tier 1 Capital Ratio | 13.74% | 11.65% | 14.55% | 19.25% | Beats 45% | 125 / 228 | | |
| Total Risk-Based Capital Ratio | 14.74% | 11.69% | 14.89% | 20.30% | Beats 48% | 118 / 228 | | |
| Equity / Assets | 13.47% | 8.58% | 10.37% | 12.02% | Beats 83% | 38 / 228 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.16% | 47.92% | 67.81% | 82.04% | 97th pctl | 6 / 225 | | |
| Loans / Assets | 87.53% | 42.11% | 58.88% | 69.86% | 99th pctl | 3 / 225 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |