Trinity Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.54 percentage points higher than in Q1 2026, at 74.56%. Within Texas, Trinity Bank, N.A. is 161st of 346 on loan-to-deposit ratio, 74.56% as of Q2 2026, above the middle of the field. Trinity Bank, N.A. reported 74.56% on loan-to-deposit ratio for Q2 2026, 6.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.7M |
| Net loans and leases | $364.1M |
| Loans held for sale | $0 |
| Loans to total assets | 64.96% |
| Loan-to-deposit ratio | 74.56% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.41% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 52.92% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 1.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.86% |
| Construction concentration (Tier 1 capital + allowance) | 65.73% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $6.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $298.5M | $414.3M | 28.16% | 55.86% | 0.08% |
| Q4 2023 | $297.4M | $432.2M | 29.07% | 54.72% | 0.10% |
| Q1 2024 | $312.4M | $441.8M | 30.77% | 54.80% | 0.09% |
| Q2 2024 | $304.8M | $409.3M | 31.59% | 53.88% | 0.12% |
| Q3 2024 | $296.9M | $442.6M | 32.11% | 54.55% | 0.11% |
| Q4 2024 | $305.9M | $465.0M | 31.62% | 54.91% | 0.03% |
| Q1 2025 | $304.9M | $469.8M | 31.94% | 53.79% | 0.03% |
| Q2 2025 | $325.8M | $465.0M | 33.58% | 50.53% | 0.03% |
| Q3 2025 | $341.6M | $493.5M | 31.13% | 52.80% | 0.03% |
| Q4 2025 | $343.3M | $483.1M | 31.66% | 50.20% | 0.02% |
| Q1 2026 | $345.3M | $493.1M | 30.68% | 50.85% | 0.02% |
| Q2 2026 | $369.7M | $495.8M | 29.41% | 52.92% | 0.01% |
Trinity Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Trinity Bank, N.A., freeSource: Call Report Schedule RC-C, 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)