Trinity Capital Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
Trinity Capital Bank of Texas is an FDIC-insured commercial bank headquartered in Ennis, TX, established in 1933 (FDIC certificate 13000), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $456.6M, up 7.9% from Q2 2025, the 168th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13000
- Headquarters
- Ennis, TX
- Established
- 1933
- Total assets, Q2 2026
- $456.6M
- Assets vs Q2 2025
- +7.9%
- Tier 1 leverage ratio, Q2 2026
- 9.56%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111920312
- Latest call report
- Q2 2026, FFIEC 051 · Trinity Capital Bank of Texas call report
- Holding company
- ENNIS BANCSHARES, INC.
- Asset rank in state
- 168th of 346 in Texas
Trinity Capital Bank of Texas is one of the more profitable banks of its size. Based in Ennis, Texas, it had $457 million in assets at June 30, 2026, up 7.9% from a year earlier. It returns 22.2% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.9 million, 74% above the same quarter a year earlier. Over the same year, loans grew 15.3% and deposits grew 0.0%. Where it has less room is capital: it funds 9.56% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Trinity Capital Bank of Texas reported a return on assets of 1.69%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 3.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Trinity Capital Bank of Texas is the 168th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $456.6M, loans rose 0.7% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 28.9% of total loans, ahead of 1-4 family residential loans at 21.3%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Ennis 2 offices book 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Trinity Capital Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 815 W Ennis Ave, Ennis, TX 75119
- County
- Ellis
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Former names
- Ennis State Bank (2006-2025)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $355.1M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- -$54K
- Average total assets
- $451.1M
- Average total loans
- $359.4M
- Average interest-bearing deposits
- $256.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13000
- Fed RSSD
- 435059
- Website
- www.tcbtexas.com →
- Parent Holding Company
- ENNIS BANCSHARES, INC. (RSSD 1131956)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Trinity Capital Bank of Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Trinity Capital Bank of Texas's total assets ranged from $367.3M (Q3 2023) to $456.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$456.6M total assets against $423.1M; $421.7M total liabilities against $394.6M.
$354.9M net loans and leases against $308.2M; $355.1M total deposits against $355.0M.
$61.0M securities against $64.9M; $23.7M cash and balances due against $34.1M.
$6.8M total interest income against $6.0M; $2.1M total interest expense against $2.1M.
$4.7M net interest income against $3.9M.
$361K total noninterest income against $363K; $3.1M total noninterest expense against $2.8M.
$25K provision for credit losses against $350K.
$1.9M net income against $1.1M.
1.69% return on assets against 1.06%; 4.30% net interest margin against 3.93%.
9.56% tier 1 leverage ratio against 9.47%.
Inside the full Trinity Capital Bank of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Trinity Capital Bank of Texas rankings
Its closest position to the top of a national ranking is 926 of 3,611, for ROA; its furthest is 1,944 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.03% (Q3 2024) to 1.69% (Q2 2026) and its net interest margin ran from 3.60% (Q3 2024) to 4.44% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.56% | 1.69% | 0.33% | 3.01% | 4.30% |
| Q1 2026 | 9.53% | 1.63% | 2.33% | 22.18% | 4.26% |
| Q4 2025 | 9.58% | 1.37% | 0.56% | 5.17% | 4.44% |
| Q3 2025 | 9.37% | 1.34% | 0.19% | 1.82% | 4.12% |
| Q2 2025 | 9.47% | 1.06% | 0.10% | 0.99% | 3.93% |
| Q1 2025 | 9.61% | 1.17% | 0.34% | 3.39% | 3.71% |
| Q4 2024 | 9.47% | 1.09% | 0.12% | 1.32% | 3.88% |
| Q3 2024 | 9.35% | 1.03% | 0.08% | 0.81% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Trinity Capital Bank of Texas (main office) | Ennis , TX | 75119 | $239.3M |
| Sunnyvale Texas Branch | Sunnyvale , TX | 75182 | $68.9M |
| Trinity Capital Bank of Texas, A Branch of Ennis State Bank Branch | Dallas , TX | 75207 | $43.8M |
| Trinity Capital Bank of Texas A Branch of Ennis State Bank | Forney , TX | 75126 | $3.0M |
| West Ennis Branch | Ennis , TX | 75119 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 2, 2020 | Structure Change | Acquired Esb Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 218 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 100 applications, 52 loans originated, $18.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $358K approved, $358K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Trinity Capital Bank of Texas
What are Trinity Capital Bank of Texas's total assets?
As of the Q2 2026 filing, Trinity Capital Bank of Texas reported total assets of $456.6 million in its FFIEC call report.
Where is Trinity Capital Bank of Texas headquartered?
It is headquartered in Ennis, TX, United States.
When was Trinity Capital Bank of Texas founded?
It was established in 1933, per the FDIC institution directory.
Is Trinity Capital Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13000). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trinity Capital Bank of Texas?
Trinity Capital Bank of Texas's primary federal regulator is the FDIC.
How many branches does Trinity Capital Bank of Texas operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trinity Capital Bank of Texas's Texas Ratio?
Its Texas Ratio is 3.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Trinity Capital Bank of Texas previously called?
The charter now named Trinity Capital Bank of Texas has also operated as Ennis State Bank (2006-2025), per FDIC structure-change records.
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