BlastPoint's Banking Scorecard

The First National Bank of Trinity

$100M-$1B Specialty: Other TX FDIC cert 5559

Trinity, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

The First National Bank of Trinity has 2 strengths but faces 2 concerns

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

+ Deposit Franchise: Top 55.9% in tier
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9.4% in tier
- Margin Compression: Bottom 43.9% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$102.6M +13.6% YoY +5.4% QoQ	-$283.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 1.0% in tier
Total Loans ?	$43.9M +0.4% YoY -3.9% QoQ	-$211.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 1.9% in tier
Total Deposits ?	$95.7M +12.9% YoY +5.7% QoQ	-$232.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 4.4% in tier
Return on Assets ?	0.80% -14.2% YoY -20.5% QoQ	-0.47%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	4.35% +12.7% YoY +5.5% QoQ	+0.42%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	81.17% +13.2% YoY +6.5% QoQ	+15.88%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 14.1% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	45.93% -11.1% YoY -9.1% QoQ	-30.71%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 6.8% in tier
Non-Interest-Bearing Deposit Share ?	48.49% +19.5% YoY +5.5% QoQ	+26.47%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 1.9% in tier
Nonperforming Asset Ratio ?	0.19% -55.6% YoY -18.9% QoQ	-0.44%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	8.75% -8.6% YoY -7.5% QoQ	-7.08%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 0.3% in tier
Non-Interest Income / Assets ?	0.19% -11.5% YoY -75.3% QoQ	-0.09%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Deposit Franchise

growth

#153 of 272 • Top 55.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 48.49%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.35%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (2)

Efficiency Drag

risk

#40 of 414 • Bottom 9.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.17%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Margin Compression

decline

#135 of 305 • Bottom 43.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.80%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 48.49%

Peer Median: 22.02%

#51 of 2664 Top 1.9% in $100M-$1B

182

Loan-to-Deposit Ratio

liquidity

Value: 45.93%

Peer Median: 76.64%

#182 of 2664 Top 6.8% in $100M-$1B

439

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#439 of 2664 Top 16.4% in $100M-$1B

643

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#643 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (5 metrics)

2656

Tier 1 Capital Ratio

capital

Value: 8.75%

Peer Median: 15.83%

#2656 of 2664 Bottom 0.3% in $100M-$1B

2638

Total Assets

size

Value: $102.58M

Peer Median: $386.08M

#2638 of 2664 Bottom 1.0% in $100M-$1B

2614

Total Loans

size

Value: $43.94M

Peer Median: $255.72M

#2614 of 2664 Bottom 1.9% in $100M-$1B

2549

Total Deposits

size

Value: $95.67M

Peer Median: $327.97M

#2549 of 2664 Bottom 4.4% in $100M-$1B

2289

Efficiency Ratio

profitability

Value: 81.17%

Peer Median: 65.29%

#2289 of 2664 Bottom 14.1% in $100M-$1B