The First National Bank of Trinity: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Trinity of Trinity, TX against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.77% | 3.14% | -2.37% | 37th below |
| ROAE | 12.73% | 10.41% | +2.32% | 71st above |
| Net Interest Margin | 4.26% | 3.93% | +0.33% | 66th above |
| Efficiency Ratio | 80.95% | 76.29% | +4.66% | 28th below |
| PPNR / Avg Assets | 0.81% | 1.40% | -0.59% | 31st below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.24% | 5.35% | -0.11% | 51st above |
| Cost of Funds | 1.03% | 1.71% | -0.68% | 78th top |
| Net Interest Spread | 3.50% | 3.31% | +0.19% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.22% | 0.71% | -0.49% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.11% | -0.08% | 23rd bottom |
| ACL / Total Loans | 1.14% | 1.49% | -0.35% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.17% | 8.26% | -5.09% | 45th below |
| Provision / NCO | 53.19% | 316.02% | -262.83% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.16% | 17.63% | -8.47% | 11th bottom |
| Equity / Assets | 6.25% | 16.45% | -10.20% | 4th bottom |
| TCE / Tangible Assets | 6.25% | 16.20% | -9.95% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.97% | 72.88% | -19.91% | 68th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.97% | 88.21% | +2.76% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.33% | 4.31% | -0.98% | 55th above |
| Loan Growth (Y/Y) | 2.06% | 6.73% | -4.67% | 49th below |
| Deposit Growth (Y/Y) | 1.96% | 3.77% | -1.81% | 49th below |
See The First National Bank of Trinity's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Trinity, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Trinity profile, how to read a UBPR, or how this data updates.