TRINITY CAPITAL BANK OF TEXAS

ENNIS, TX | Small | Est. Jan. 1, 1933, midnight | FDIC #13000 | RSSD #435059 | FDIC
Latest Report: 2025-12-31

TRINITY CAPITAL BANK OF TEXAS is asn small FDIC-insured commercial bank headquartered in ENNIS, TX, established in Jan. 1, 1933, midnight. As of 2025-12-31, the bank reported total assets of $441M and total deposits of $355M. Profitability stands at 1.36% ROA and 18.50% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 7.50%. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 1.24%. FDIC Certificate #13000.

Assets

$441M

Deposits

$355M

Loans

$339M

Equity

$33M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 18.50%
Net Interest Margin (NIM) 4.58%
Yield on Assets 6.65%
Cost of Funds 2.18%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.16%
Texas Ratio 1.24%
NPA Ratio 0.10%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 7.50%
Tier 1 Capital 7.50%
Total Capital Ratio 7.87%
Leverage Ratio 9.58%
Loan-to-Deposit 95.65%

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