Trinity Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 56.1% higher than in Q1 2026, at -$1.3M. Trinity Bank, N.A. ranks 92nd of 184 Texas banks on CET1 ratio, in the upper half at 16.93% (Q2 2026). Trinity Bank, N.A. reported 16.93% on CET1 ratio for Q2 2026, 1.86 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.93% |
| Tier 1 risk-based capital ratio | 16.93% |
| Total risk-based capital ratio | 18.18% |
| Tier 1 leverage ratio | 12.79% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $71.3M |
| Tier 1 capital | $71.3M |
| Total risk-based capital | $76.5M |
| Total equity capital | $70.0M |
| Risk-weighted assets | $420.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.30% |
| Tangible equity to tangible assets | 12.30% |
| Equity capital to average assets | 12.56% |
| Internal capital growth rate | 14.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.4M |
| Common stock surplus | $9.9M |
| Retained earnings | $63.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.37% | 15.37% | 16.63% | 11.23% | $334.8M |
| Q4 2023 | 15.84% | 15.84% | 17.09% | 11.09% | $337.5M |
| Q1 2024 | 15.54% | 15.54% | 16.79% | 11.17% | $352.6M |
| Q2 2024 | 16.20% | 16.20% | 17.46% | 11.70% | $345.0M |
| Q3 2024 | 17.33% | 17.33% | 18.58% | 11.95% | $334.6M |
| Q4 2024 | 17.09% | 17.09% | 18.35% | 11.28% | $349.7M |
| Q1 2025 | 17.99% | 17.99% | 19.25% | 12.37% | $346.2M |
| Q2 2025 | 17.21% | 17.21% | 18.47% | 12.00% | $369.9M |
| Q3 2025 | 16.74% | 16.74% | 17.99% | 11.91% | $389.4M |
| Q4 2025 | 17.08% | 17.08% | 18.33% | 12.08% | $395.6M |
| Q1 2026 | 17.37% | 17.37% | 18.62% | 12.25% | $396.7M |
| Q2 2026 | 16.93% | 16.93% | 18.18% | 12.79% | $420.9M |
Trinity Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Trinity Bank, N.A., freeSource: Call Report Schedule RC-R, 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 Trinity Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57543) · FFIEC NIC profile (RSSD 3185896)