FIRST NATIONAL BANK OF TRINITY, THE

TRINITY, TX | Micro | Est. Sept. 11, 1911, midnight | FDIC #5559 | RSSD #479567 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF TRINITY, THE is amn micro FDIC-insured commercial bank headquartered in TRINITY, TX, established in Sept. 11, 1911, midnight. As of 2025-12-31, the bank reported total assets of $97M and total deposits of $90M. Profitability stands at 1.05% ROA and 16.90% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 6.26%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 3.51%. FDIC Certificate #5559.

Assets

$97M

Deposits

$90M

Loans

$46M

Equity

$6M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 16.90%
Net Interest Margin (NIM) 4.21%
Yield on Assets 5.16%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.17%
Texas Ratio 3.51%
NPA Ratio 0.24%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 6.26%
Tier 1 Capital 6.26%
Total Capital Ratio 6.57%
Leverage Ratio 9.46%
Loan-to-Deposit 51.12%

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