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Trinity Capital Bank of Texas

$100M-$1B Specialty: Commercial TX FDIC cert 13000

Ennis, TX

5 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +0.0% year over year ($355.1M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.64%.
  • Efficiency ratio 60.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.96% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Trinity Capital Bank of Texas has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.32% above tier average
  • + Net Interest Margin 0.31% above tier average
  • + Efficiency Ratio 3.59% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 35.6% in tier
Get updates when Trinity Capital Bank of Texas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $456.6M
+7.9% YoY +0.3% QoQ
+$70.1M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $354.9M
+15.2% YoY +0.6% QoQ
+$96.6M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $355.1M
+0.0% YoY -0.2% QoQ
+$28.3M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.64%
+51.1% YoY +2.2% QoQ
+0.32% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 4.30%
+12.4% YoY +0.9% QoQ
+0.31% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 60.89%
-10.4% YoY +1.1% QoQ
-3.59% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.33%
+227.0% YoY -86.0% QoQ
-0.59% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 99.96%
+15.2% YoY +0.9% QoQ
+22.01% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Bottom 10.3% in tier
Non-Interest-Bearing Deposit Share ? 26.20%
-10.2% YoY -2.3% QoQ
+4.17% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.26%
+248.8% YoY -85.9% QoQ
-0.41% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 9.56%
+0.9% YoY +0.3% QoQ
-6.35% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 5.7% in tier
Non-Interest Income / Assets ? 0.15%
-3.4% YoY +104.6% QoQ
-0.41% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 26.2%
-3.0pp YoY
-0.6pp QoQ
 +4.0pp 22.1% 29.2% 22.2% 70%
Brokered Deposits 4.3%
0.0pp YoY
0.0pp QoQ
 -3.6pp 7.9% 8.0% 8.5% 46%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 14.4%
+0.4pp YoY
+0.1pp QoQ
 +2.9pp 11.6% 14.8% 12.5% 74%
CRE 62.6%
+1.3pp YoY
+0.3pp QoQ
 +23.1pp 39.5% 48.4% 41.4% 87%
1-4 Family 21.5%
-1.4pp YoY
-0.3pp QoQ
 -11.1pp 32.6% 25.8% 31.3% 33%
Consumer 0.9%
-0.2pp YoY
-0.1pp QoQ
 -3.3pp 4.1% 4.7% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 9.6%
+0.1pp YoY
0.0pp QoQ
 -2.6pp 12.2% 12.6% 12.6% 23%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 69
+3 (+4.5%) YoY
-1 (-1.4%) QoQ
 +10 58 186 482 70%
Assets per Employee ($) $6.6M
+3.2% YoY
+1.8% QoQ
 -$900K $7.5M $10.1M $8.8M 45%
Branch Count 5
0 YoY
0 QoQ
 0 4 12 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp YoY
-2.0pp QoQ
 0.0pp 0.3% 0.3% 0.4% 72%
Nonaccrual 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 13%
Allowance Coverage 3.39x
-66.2% YoY
+624.9% QoQ
 -20.77x 24.15x 18.82x 20.23x 61%
Net Charge-off Rate (YTD) -0.0%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 7%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 21.9%
+5.1pp YoY
+0.3pp QoQ
 +9.7pp 12.2% 13.2% 11.6% 92%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 69%
Net Income ($, YTD) $3.7M
+63.8% YoY
— QoQ
 +$1.2M $2.6M $15.9M $40.4M 78%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#448 of 1256 • Bottom 35.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.33%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2494
Tier 1 Capital Ratio
capital
Value: 9.56%
Peer Median: 15.91%
#2494 of 2643 Bottom 5.7% in $100M-$1B
2373
Loan-to-Deposit Ratio
liquidity
Value: 99.96%
Peer Median: 77.95%
#2373 of 2643 Bottom 10.3% in $100M-$1B
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