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Letter portraitLegal landscapeQuarterYTD

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