Trinity Capital Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Trinity Capital Bank of Texas of Ennis, TX against its peer group of 2672 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 | 1.69% | 1.34% | +0.35% | 73rd above |
| ROAE | 22.23% | 13.31% | +8.92% | 92nd top |
| Net Interest Margin | 4.30% | 3.93% | +0.37% | 70th above |
| Efficiency Ratio | 61.05% | 61.14% | -0.09% | 51st above |
| PPNR / Avg Assets | 1.71% | 1.68% | +0.03% | 57th above |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 2.09% | 1.88% | +0.21% | 32nd below |
| Net Interest Spread | 3.62% | 3.32% | +0.30% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.47% | 0.94% | +0.53% | 19th bottom |
| NPA / Total Assets | 1.16% | 0.70% | +0.46% | 17th bottom |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 96th top |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 39th below |
| ACL / NPLs (Coverage) | 75.06% | 1539.38% | -1464.32% | 20th bottom |
| Texas Ratio | 16.05% | 7.33% | +8.72% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.56% | 12.14% | -2.58% | 23rd bottom |
| Equity / Assets | 7.66% | 11.38% | -3.72% | 10th bottom |
| TCE / Tangible Assets | 7.66% | 11.09% | -3.43% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.08% | 80.63% | +20.45% | 10th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.49% | 86.86% | +1.63% | 46th below |
| Wholesale Funding Ratio | 13.88% | 5.03% | +8.85% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.94% | 6.85% | +1.09% | 75th top |
| Loan Growth (Y/Y) | 15.28% | 7.90% | +7.38% | 86th top |
| Deposit Growth (Y/Y) | 0.00% | 6.29% | -6.29% | 23rd bottom |
See Trinity Capital Bank of Texas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Trinity Capital Bank of Texas, 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 Capital Bank of Texas profile, how to read a UBPR, or how this data updates.