Trinity Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Trinity Bank, N.A. of Fort Worth, TX against its peer group of 2603 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 | 1.76% | 1.34% | +0.42% | 76th top |
| ROAE | 14.38% | 13.32% | +1.06% | 62nd above |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 43.58% | 61.14% | -17.56% | 91st top |
| PPNR / Avg Assets | 2.34% | 1.68% | +0.66% | 85th top |
| Yield on Earning Assets | 6.03% | 5.67% | +0.36% | 70th above |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 51st above |
| Net Interest Spread | 3.48% | 3.32% | +0.16% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.27% | 0.16% | +0.11% | 10th bottom |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 79th top |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 159.91% | 1395.90% | -1235.99% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.93% | 19.49% | -2.56% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.93% | 19.52% | -2.59% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.18% | 20.61% | -2.43% | 64th above |
| Leverage Ratio | 12.79% | 12.14% | +0.65% | 73rd above |
| Equity / Assets | 12.30% | 11.36% | +0.94% | 73rd above |
| TCE / Tangible Assets | 12.30% | 11.08% | +1.22% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.56% | 80.66% | -6.10% | 62nd above |
| Core Deposit Ratio | 83.72% | 86.85% | -3.13% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.96% | 6.84% | +1.12% | 75th top |
| Loan Growth (Y/Y) | 13.47% | 7.91% | +5.56% | 83rd top |
| Deposit Growth (Y/Y) | 6.64% | 6.29% | +0.35% | 68th above |
See Trinity Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Trinity Bank, N.A., 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 Trinity Bank, N.A. profile, how to read a UBPR, or how this data updates.