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Trinity Bank, National Association

Fort Worth, TX · Cert 57543

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

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 the Dallas-Fort Worth-Arlington, TX area (n=28). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

86

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

Trinity Bank, National Association

Fort Worth, TX · Cert 57543

National charter · OCC · 1 branch

Q2 2026

$569.1MAssets
$369.7MLoans
$495.8MDeposits
$70.0MEquity
Loan mix
49%RE $169.9M51%C&I $176.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $334.8M32%Noninterest $161.0MQ2 2025Q2 2026

NIM

5.88%Q2 ’245.44%Q2 ’255.53%Q2 ’26+6%+4%

Non-interest income vs. expense

1.70%Q2 ’241.90%Q2 ’252.02%Q2 ’26+14%+1%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #78 of 166 inst. · $0.5B of $732.8B

Executive Summary

  • Earnings: ROA of 1.69%, down 5 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 12.79%, up 80 bps from a year ago.
  • Funding: loans stand at 74.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+15 bps YoY

Efficiency Ratio (YTD, annualized)

48.38%-11 bps YoY

Tier 1 Leverage Ratio

12.79%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.72%1.70%1.65%1.69%-5 bps
Return on Equity16.18%15.80%15.26%13.89%14.06%-212 bps
Net Interest Margin3.76%3.73%3.69%3.77%3.92%+15 bps
Efficiency Ratio48.49%48.38%48.30%50.93%48.38%-11 bps
Non-Interest Burden1.75%1.73%1.70%1.82%1.76%+1 bps
Growth
Asset Growth (YoY)13.85%11.96%5.96%6.52%7.96%-590 bps
Loan Growth (YoY)6.89%15.06%12.24%13.24%13.47%+658 bps
Deposit Growth (YoY)13.61%11.49%3.89%4.95%6.64%-697 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.10%0.00%0.00%0.00%-13 bps
Net Charge-Offs / Loans0.00%0.00%0.09%0.00%0.13%+13 bps
Allowance / Loans1.72%1.64%1.60%1.59%1.52%-20 bps
Allowance Coverage of NPLs13.2x16.4xn/an/an/an/a
Capital
Tier 1 Leverage Ratio12.00%11.91%12.08%12.25%12.79%+80 bps
Total Risk-Based Capital18.47%17.99%18.33%18.62%18.18%-28 bps
Equity / Assets11.22%11.26%12.04%11.72%12.30%+108 bps
Liquidity & Funding
Loans / Deposits70.07%69.23%71.06%70.03%74.56%+449 bps
Liquid Assets / Assets10.46%12.56%9.42%11.71%7.15%-330 bps
CRE / Total Capitaln/a218%225%223%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

Trinity Bank, National Association

Fort Worth, TX · Cert 57543 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28)

National charter · OCC · 1 branch

Q2 2026

$569.1MAssets
$369.7MLoans
$495.8MDeposits
$70.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: net interest margin trails 68% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 19 of 28).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.67%

Rank 6 of 28

Net Interest Margin

3.92%

Rank 19 of 28

Efficiency Ratio

48.38%

Rank 5 of 28

Equity / Assets

12.30%

Rank 10 of 28

Non-interest income vs. expense

$1.4M$11.3MINCOMEEXPENSE
Unfavorable gap of $9.8M · efficiency ratio beats 86% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 48.38%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.67%1.12%1.22%1.47%Beats 79%6 / 28
Return on Equity13.56%8.64%12.47%13.41%Beats 82%5 / 28
Net Interest Margin3.92%3.77%4.06%4.51%Beats 32%19 / 28
Efficiency Ratio48.38%57.39%61.94%66.78%Beats 86%5 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.06%0.00%0.01%0.20%Beats 36%19 / 28
Capital
Tier 1 Capital Ratio16.93%12.55%13.77%17.51%Beats 71%8 / 28
Total Risk-Based Capital Ratio18.18%12.59%14.62%18.18%Beats 75%7 / 28
Equity / Assets12.30%9.58%11.17%13.58%Beats 64%10 / 28
Liquidity & Funding
Loans / Deposits74.56%66.90%84.79%89.14%36th pctl18 / 28
Loans / Assets64.96%57.58%73.59%77.32%36th pctl18 / 28
Brokered Deposits / Depositsn/aNot reported for this institution