| Metric | Trinity Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.9% | +3.0 pts |
| Deposit growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +13.7% | +5.3% | +8.3 pts |
| ROA | 1.69% | 1.28% | +0.4 pts |
| ROE | 14.1% | 12.5% | +1.6 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $569.1M | $495.8M | $364.1M | $70.0M | $4.7M | 1.69% | 4.06% | 0.00% |
| Q1 2026 | $563.3M | $493.1M | $339.8M | $66.0M | $2.3M | 1.65% | 3.96% | 0.00% |
| Q4 2025 | $553.4M | $483.1M | $337.8M | $66.6M | $9.1M | 1.70% | 3.96% | 0.00% |
| Q3 2025 | $561.3M | $493.5M | $336.0M | $63.2M | $6.9M | 1.72% | 3.94% | 0.06% |
| Q2 2025 | $527.2M | $465.0M | $320.2M | $59.2M | $4.6M | 1.74% | 3.91% | 0.08% |
| Q1 2025 | $528.8M | $469.8M | $299.4M | $56.3M | $2.2M | 1.68% | 3.78% | 0.18% |
| Q4 2024 | $522.2M | $465.0M | $300.3M | $54.5M | $8.5M | 1.71% | 3.67% | 0.20% |
| Q3 2024 | $501.3M | $442.6M | $291.7M | $55.8M | $6.3M | 1.72% | 3.63% | 0.00% |
Loan mix (Q2 2026): real estate $174.1M · commercial $196.1M · consumer $43K · securities $137.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Trinity Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.28% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 12.5% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 61.1% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Trinity Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Trinity Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Trinity Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Trinity Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Trinity Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $495.8M branch deposits. Biggest market: Tarrant, TX, ranked 28th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 1 | $495.8M | 0.63% | 28th |
Texas: 253rd with 0.03% · Dallas-Fort Worth-Arlington metro: 90th, 0.06% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).