The First National Bank of Trinity
Also written as FNB of Trinity
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Trinity is an FDIC-insured commercial bank headquartered in Trinity, TX, established in 1911 (FDIC certificate 5559), and it is supervised by the OCC. At Q2 2026 it reported total assets of $92.8M, up 3.3% from Q2 2025, the 311th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.16% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5559
- Headquarters
- Trinity, TX
- Established
- 1911
- Total assets, Q2 2026
- $92.8M
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 9.16%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 113113868
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Trinity call report
- Asset rank in state
- 311th of 346 in Texas
The First National Bank of Trinity operates with a thinner capital cushion than most banks of its size. The Trinity, Texas bank had $93 million in assets at June 30, 2026, up 3.3% from a year earlier. It funds 9.16% of its assets with Tier 1 capital, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 13.06%). It also holds commercial real estate loans worth 1.1 times its capital, 4.4 times the median of 26% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $3.2 million equal 36% of Tier 1 capital, down from 48% a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.30%.
As of June 30, 2026, The First National Bank of Trinity reported a return on assets of 0.77%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 3.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Trinity is the 311th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 1.9% to $92.8M, loans rose 2.5% and deposits rose 2.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.5% of total loans, followed by non-owner-occupied commercial real estate loans at 15.7%. Its 3 offices in the FDIC Summary of Deposits are in Trinity, TX, Jefferson, TX and Riverside, TX; its Trinity office books 73% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Trinity meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 145 S Robb St, Trinity, TX 75862
- County
- Trinity
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 11, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $86.0M
- Allowance for credit losses
- $521K
- Net charge-offs (YTD)
- $47K
- Average total assets
- $98.3M
- Average total loans
- $44.9M
- Average interest-bearing deposits
- $49.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5559
- Fed RSSD
- 479567
- Website
- www.fnbtrinity.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Trinity reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Trinity's total assets moved between a low of $85.4M (Q4 2024) and a high of $97.3M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$92.8M total assets against $89.8M; $87.0M total liabilities against $85.2M.
$45.1M net loans and leases against $44.1M; $86.0M total deposits against $84.4M.
$35.7M securities against $36.4M; $7.0M cash and balances due against $5.2M.
$1.1M total interest income against $1.1M; $217K total interest expense against $224K.
$927K net interest income against $896K.
$192K total noninterest income against $164K; $920K total noninterest expense against $893K.
$10K provision for credit losses against $0.
$189K net income against $167K.
0.77% return on assets against 0.71%; 4.26% net interest margin against 4.07%.
9.16% tier 1 leverage ratio against 9.30%.
Inside the full The First National Bank of Trinity terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q2 2025) to 1.25% (Q3 2025) and its net interest margin ran from 3.58% (Q3 2024) to 4.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.16% | 0.77% | 0.00% | 3.17% | 4.26% |
| Q1 2026 | 9.44% | 0.83% | 0.00% | 3.03% | 4.22% |
| Q4 2025 | 9.46% | 1.04% | 0.07% | 3.53% | 4.14% |
| Q3 2025 | 9.59% | 1.25% | 0.00% | 3.56% | 4.10% |
| Q2 2025 | 9.30% | 0.71% | 0.30% | 6.95% | 4.07% |
| Q1 2025 | 9.57% | 0.88% | 0.39% | 7.35% | 3.68% |
| Q4 2024 | 10.09% | 1.15% | 0.44% | 8.66% | 3.86% |
| Q3 2024 | 9.97% | 1.04% | 0.56% | 4.27% | 3.58% |
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Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Trinity | Trinity , TX | 75862 | $62.8M |
| Riverside Bank of Jefferson Branch | Jefferson , TX | 75657 | $13.0M |
| Riverside Bank Branch | Riverside , TX | 77367 | $10.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 22, 1992, OCC: Formal Agreement: First National Bank Of Trinity
- Period: Most recent institution action October 22, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 382 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $700K approved, $700K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Trinity
What are The First National Bank of Trinity's total assets?
As of the Q2 2026 filing, The First National Bank of Trinity reported total assets of $92.8 million in its FFIEC call report.
Where is The First National Bank of Trinity headquartered?
It is headquartered in Trinity, TX, United States.
When was The First National Bank of Trinity founded?
It was established in 1911, per the FDIC institution directory.
Is The First National Bank of Trinity FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Trinity?
The First National Bank of Trinity's primary federal regulator is the OCC.
How many branches does The First National Bank of Trinity operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Trinity's Texas Ratio?
Its Texas Ratio is 3.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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