Trinity, TX · Cert 5559
National charter · OCC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.78% | 0.79% | 0.63% | 0.62% | -3 bps | |
| Return on Equity | 12.89% | 14.39% | 14.18% | 10.27% | 10.17% | -272 bps | |
| Net Interest Margin | 3.58% | 3.69% | 3.66% | 3.90% | 3.79% | +22 bps | |
| Efficiency Ratio | 78.21% | 76.45% | 76.24% | 81.17% | 81.69% | +348 bps | |
| Non-Interest Burden | 2.63% | 2.63% | 2.60% | 3.01% | 2.96% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.02% | 2.29% | 13.93% | 0.81% | 3.33% | +131 bps | |
| Loan Growth (YoY) | 2.52% | 2.25% | 8.31% | 0.22% | 2.06% | -46 bps | |
| Deposit Growth (YoY) | 1.85% | 1.71% | 12.38% | -0.71% | 1.96% | +11 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.00% | 0.07% | 0.00% | 0.00% | -30 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.04% | 0.17% | 0.40% | 0.21% | +14 bps | |
| Allowance / Loans | 1.32% | 1.33% | 1.17% | 1.16% | 1.14% | -18 bps | |
| Allowance Coverage of NPLs | 4.4x | n/a | 16.0x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.30% | 9.59% | 9.46% | 9.44% | 9.16% | -14 bps | |
| Total Risk-Based Capital | 9.30% | 9.59% | 9.46% | 9.44% | 9.16% | -14 bps | |
| Equity / Assets | 5.08% | 6.17% | 6.26% | 6.69% | 6.25% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.92% | 51.51% | 51.12% | 52.84% | 52.97% | +5 bps | |
| Liquid Assets / Assets | 4.27% | 8.60% | 5.43% | 4.10% | 5.76% | +150 bps | |
| CRE / Total Capital | n/a | 192.32% | 189.40% | 161.57% | n/a | n/a | |