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
Unfavorable gap of $2.9M · efficiency ratio beats 15% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.87% | 1.20% | 1.65% | Beats 18% | 173 / 211 | |
| Return on Equity | 10.51% | 7.52% | 11.67% | 14.58% | Beats 42% | 122 / 211 | |
| Net Interest Margin | 3.79% | 3.28% | 3.82% | 4.31% | Beats 47% | 111 / 211 | |
| Efficiency Ratio | 81.69% | 53.01% | 64.18% | 73.65% | Beats 15% | 181 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.06% | Beats 17% | 174 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 9.16% | 11.72% | 14.45% | 19.57% | Beats 1% | 208 / 211 | |
| Total Risk-Based Capital Ratio | 9.16% | 11.94% | 14.78% | 20.30% | Beats 1% | 208 / 211 | |
| Equity / Assets | 6.25% | 9.41% | 11.06% | 12.94% | Beats 3% | 205 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 52.97% | 45.39% | 66.56% | 82.03% | 29th pctl | 147 / 208 | |
| Loans / Assets | 49.11% | 39.13% | 56.90% | 70.46% | 33rd pctl | 141 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |