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First National Bank of Trinity, The

Trinity, TX · Cert 5559

National charter · OCC · 3 branches

Q2 2026

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: Q2 2026, the quarter ended June 30, 2026, 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=208 to 211). 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

2

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer 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 Trinity, The

Trinity, TX · Cert 5559

National charter · OCC · 3 branches

Q2 2026

$92.8MAssets
$45.6MLoans
$86.0MDeposits
$5.8MEquity
Loan mix
75%RE $32.9M4%C&I $1.8M21%Consumer $9.1MQ3 2024Q2 2026
Deposit mix
59%Interest-bearing $50.6M41%Noninterest $35.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.62%, down 3 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (-30 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.16%, down 14 bps from a year ago.
  • Funding: loans stand at 52.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.62%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+22 bps YoY

Efficiency Ratio (YTD, annualized)

81.69%+348 bps YoY

Tier 1 Leverage Ratio

9.16%-14 bps YoY

NIM

4.83%Q2 ’244.64%Q2 ’254.67%Q2 ’26+1%+6%

Non-interest income vs. expense

3.53%Q2 ’243.39%Q2 ’253.74%Q2 ’26-3%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.76%0.73%0.66%0.78%0.79%0.63%0.62%-3 bps
Return on Equity14.00%15.20%14.25%12.89%14.39%14.18%10.27%10.17%-272 bps
Net Interest Margin3.52%3.56%3.42%3.58%3.69%3.66%3.90%3.79%+22 bps
Efficiency Ratio78.79%78.49%71.73%78.21%76.45%76.24%81.17%81.69%+348 bps
Non-Interest Burden2.60%2.62%2.22%2.63%2.63%2.60%3.01%2.96%+32 bps
Growth
Asset Growth (YoY)2.47%-3.91%3.22%2.02%2.29%13.93%0.81%3.33%+131 bps
Loan Growth (YoY)1.11%-1.30%2.44%2.52%2.25%8.31%0.22%2.06%-46 bps
Deposit Growth (YoY)-0.48%-3.91%2.82%1.85%1.71%12.38%-0.71%1.96%+11 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.44%0.39%0.30%0.00%0.07%0.00%0.00%-30 bps
Net Charge-Offs / Loans0.07%0.10%0.05%0.07%0.04%0.17%0.40%0.21%+14 bps
Allowance / Loans1.26%1.24%1.35%1.32%1.33%1.17%1.16%1.14%-18 bps
Allowance Coverage of NPLs2.2x2.9x3.5x4.4xn/a16.0xn/an/an/a
Capital
Tier 1 Leverage Ratio9.97%10.09%9.57%9.30%9.59%9.46%9.44%9.16%-14 bps
Total Risk-Based Capital9.97%10.09%9.57%9.30%9.59%9.46%9.44%9.16%-14 bps
Equity / Assets5.71%4.93%5.31%5.08%6.17%6.26%6.69%6.25%+117 bps
Liquidity & Funding
Loans / Deposits51.23%53.04%52.35%52.92%51.51%51.12%52.84%52.97%+5 bps
Liquid Assets / Assets7.62%2.30%4.64%4.27%8.60%5.43%4.10%5.76%+150 bps
CRE / Total Capitaln/an/an/an/a192.32%189.40%161.57%n/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 Trinity, The

Trinity, TX · Cert 5559 · Peer group: banks under $1B in assets in TX (n=208-211)

National charter · OCC · 3 branches

Q2 2026

$92.8MAssets
$45.6MLoans
$86.0MDeposits
$5.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in TX (rank 208 of 211).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.66%

Rank 173 of 211

Net Interest Margin

3.79%

Rank 111 of 211

Efficiency Ratio

81.69%

Rank 181 of 211

Equity / Assets

6.25%

Rank 205 of 211

Non-interest income vs. expense

$0.8M$3.7MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 15% of banks under $1B in assets in TX
Bank 81.69%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.66%0.87%1.20%1.65%Beats 18%173 / 211
Return on Equity10.51%7.52%11.67%14.58%Beats 42%122 / 211
Net Interest Margin3.79%3.28%3.82%4.31%Beats 47%111 / 211
Efficiency Ratio81.69%53.01%64.18%73.65%Beats 15%181 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.11%0.00%0.01%0.06%Beats 17%174 / 208
Capital
Tier 1 Capital Ratio9.16%11.72%14.45%19.57%Beats 1%208 / 211
Total Risk-Based Capital Ratio9.16%11.94%14.78%20.30%Beats 1%208 / 211
Equity / Assets6.25%9.41%11.06%12.94%Beats 3%205 / 211
Liquidity & Funding
Loans / Deposits52.97%45.39%66.56%82.03%29th pctl147 / 208
Loans / Assets49.11%39.13%56.90%70.46%33rd pctl141 / 211
Brokered Deposits / Depositsn/aNot reported for this institution