The First National Bank of Trinity: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 1.96 percentage points lower than in Q1 2026, at 38.51%. Within Texas, The First National Bank of Trinity is 292nd of 345 on return on assets, 0.77% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. The First National Bank of Trinity sits 0.21 points lower, at 0.77% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.16% |
| Equity capital to assets | 6.25% |
| Tangible equity to tangible assets | 6.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.17% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.77% |
| Return on equity | 12.73% |
| Net interest margin | 4.26% |
| Efficiency ratio | 80.95% |
| Yield on earning assets | 5.24% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.97% |
| Core deposits to total deposits | 90.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.73% |
| Securities to assets | 38.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.81% | 0.97% | 3.65% | 0.04% | 0.00% |
| Q4 2023 | 10.13% | 0.96% | 3.65% | 0.04% | 0.01% |
| Q1 2024 | 9.73% | 1.02% | 3.73% | 0.04% | -0.05% |
| Q2 2024 | 9.85% | 0.65% | 3.61% | 0.04% | 0.00% |
| Q3 2024 | 9.97% | 1.04% | 3.58% | 0.04% | 0.26% |
| Q4 2024 | 10.09% | 1.15% | 3.86% | 0.42% | 0.17% |
| Q1 2025 | 9.57% | 0.88% | 3.68% | 0.39% | 0.06% |
| Q2 2025 | 9.30% | 0.71% | 4.07% | 0.30% | 0.08% |
| Q3 2025 | 9.59% | 1.25% | 4.10% | 0.00% | 0.00% |
| Q4 2025 | 9.46% | 1.04% | 4.14% | 0.07% | 0.57% |
| Q1 2026 | 9.44% | 0.83% | 4.22% | 0.00% | 0.39% |
| Q2 2026 | 9.16% | 0.77% | 4.26% | 0.00% | 0.03% |
The First National Bank of Trinity vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Trinity, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Trinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5559) · FFIEC NIC profile (RSSD 479567)