BlastPoint's Banking Scorecard
The First National Bank of Trinity
Designations: ✓ Community bank
Trinity, TX
3 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +2.0% year over year ($86.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.83%.
- Efficiency ratio 81.69% vs a 119.40% peer average.
- Loan-to-deposit ratio 52.36% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Trinity has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 17.75% above tier average
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 37.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.8M
+3.3% YoY
+1.9% QoQ
|
+$30.4M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 10.4% in tier |
| Total Loans ? |
$45.1M
+2.2% YoY
+2.5% QoQ
|
+$10.2M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$86.0M
+2.0% YoY
+2.3% QoQ
|
+$34.4M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 2.1% in tier |
| Return on Assets ? |
0.83%
-1.2% YoY
-2.0% QoQ
|
-0.17% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.33%
+6.2% YoY
-0.6% QoQ
|
+0.41% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
81.69%
+4.4% YoY
+0.6% QoQ
|
-37.71% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
52.36%
+0.3% YoY
+0.3% QoQ
|
-21.85% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
41.24%
+2.7% YoY
-0.5% QoQ
|
+17.75% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 8.4% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-45.9% YoY
-1.9% QoQ
|
-0.62% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
9.16%
-1.5% YoY
-3.0% QoQ
|
-17.97% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.9% in tier |
| Non-Interest Income / Assets ? |
0.41%
+4.7% YoY
+95.7% QoQ
|
-0.97% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 11.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
41.2%
+1.1pp YoY -0.2pp QoQ |
+16.6pp | 24.6% | 29.2% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.8%
+0.1pp YoY -0.2pp QoQ |
-9.6pp | 13.4% | 14.8% | 12.5% | 13% |
| CRE |
33.4%
-4.2pp YoY 0.0pp QoQ |
+8.2pp | 25.2% | 48.4% | 41.4% | 70% |
| 1-4 Family |
39.0%
+3.7pp YoY +1.0pp QoQ |
+4.0pp | 35.0% | 25.8% | 31.3% | 60% |
| Consumer |
20.2%
-1.1pp YoY -0.6pp QoQ |
+12.5pp | 7.7% | 4.7% | 5.0% | 93% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
9.2%
-0.1pp YoY -0.3pp QoQ |
-8.5pp | 17.7% | 12.6% | 12.6% | 10% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
+4 (+17.4%) YoY +3 (+12.5%) QoQ |
+15 | 12 | 186 | 482 | 97% |
| Assets per Employee ($) |
$3.4M
-12.0% YoY -9.4% QoQ |
-$2.8M | $6.2M | $10.1M | $8.8M | 12% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 12 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY -0.2pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
-3.4pp YoY -0.1pp QoQ |
+6.6pp | 6.4% | 13.2% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.0%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 26% |
| Net Income ($, YTD) |
$388,000
+4.6% YoY — QoQ |
+$70K | $317,817 | $15.9M | $40.4M | 61% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.