PackageTrendsPeer
Letter portraitLegal landscape

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