Trinity Bank, N.A.: 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 Loan-to-deposit ratio: 4.54 percentage points higher than in Q1 2026, at 74.56%. Trinity Bank, N.A. ranks 109th of 345 Texas banks on return on assets, in the upper half at 1.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Trinity Bank, N.A. sits 0.50 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.93% |
| Tier 1 risk-based capital ratio | 16.93% |
| Total risk-based capital ratio | 18.18% |
| Tier 1 leverage ratio | 12.79% |
| Equity capital to assets | 12.30% |
| Tangible equity to tangible assets | 12.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 14.38% |
| Net interest margin | 4.41% |
| Efficiency ratio | 43.58% |
| Yield on earning assets | 6.03% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.56% |
| Core deposits to total deposits | 83.72% |
| Brokered deposits to total deposits | 1.02% |
| Deposits to assets | 87.12% |
| Securities to assets | 24.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.37% | 15.37% | 16.63% | 11.23% | 1.72% |
| Q4 2023 | 15.84% | 15.84% | 17.09% | 11.09% | 1.77% |
| Q1 2024 | 15.54% | 15.54% | 16.79% | 11.17% | 1.65% |
| Q2 2024 | 16.20% | 16.20% | 17.46% | 11.70% | 1.80% |
| Q3 2024 | 17.33% | 17.33% | 18.58% | 11.95% | 1.73% |
| Q4 2024 | 17.09% | 17.09% | 18.35% | 11.28% | 1.64% |
| Q1 2025 | 17.99% | 17.99% | 19.25% | 12.37% | 1.76% |
| Q2 2025 | 17.21% | 17.21% | 18.47% | 12.00% | 1.79% |
| Q3 2025 | 16.74% | 16.74% | 17.99% | 11.91% | 1.70% |
| Q4 2025 | 17.08% | 17.08% | 18.33% | 12.08% | 1.60% |
| Q1 2026 | 17.37% | 17.37% | 18.62% | 12.25% | 1.64% |
| Q2 2026 | 16.93% | 16.93% | 18.18% | 12.79% | 1.76% |
Trinity Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trinity Bank, N.A., 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 Trinity Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57543) · FFIEC NIC profile (RSSD 3185896)