BlastPoint's Banking Scorecard

Trinity Bank, N.A.

$100M-$1B Specialty: Commercial TX FDIC cert 57543

Fort Worth, 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 +6.6% year over year ($495.8M on the books).
Delinquency rate 0.00%.
Return on assets 1.69%.
Efficiency ratio 48.38% vs a 64.48% peer average.
Loan-to-deposit ratio 73.43% 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 Bank, N.A. shows strong momentum with 5 strengths and 8.0% YoY asset growth

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

+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.37% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio 16.10% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Trinity Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$569.1M +8.0% YoY +1.0% QoQ	+$182.6M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$364.1M +13.7% YoY +7.1% QoQ	+$105.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$495.8M +6.6% YoY +0.5% QoQ	+$169.1M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.69% -3.0% YoY +2.4% QoQ	+0.37%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	4.06% +3.6% YoY +2.3% QoQ	+0.07%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	48.38% -0.2% YoY -5.0% QoQ	-16.10%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 13.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	73.43% +6.6% YoY +6.6% QoQ	-4.52%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	63%
Non-Interest-Bearing Deposit Share ?	32.48% +12.7% YoY +10.3% QoQ	+10.45%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 13.4% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.93% -1.6% YoY -2.5% QoQ	+1.02%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.13% +74.2% YoY +148.1% QoQ	-0.44%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	27%

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	32.5% +3.7pp YoY +3.0pp QoQ	+10.3pp	22.1%	29.2%	22.2%	86%
Brokered Deposits	1.0% -2.2pp YoY -2.0pp QoQ	-6.8pp	7.9%	8.0%	8.5%	19%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	53.8% +2.3pp YoY +2.1pp QoQ	+42.3pp	11.6%	14.8%	12.5%	99%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	2.9% -0.7pp YoY -0.6pp QoQ	-29.7pp	32.6%	25.8%	31.3%	3%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	4.7%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	16.9% -0.3pp YoY -0.4pp QoQ	-1.9pp	18.8%	22.7%	19.7%	63%
Leverage Ratio	12.8% +0.8pp YoY +0.5pp QoQ	+0.6pp	12.2%	12.6%	12.6%	73%
Total Capital Ratio	18.2% -0.3pp YoY -0.4pp QoQ	-1.8pp	19.9%	23.8%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	33 +2 (+6.5%) YoY +1 (+3.1%) QoQ	-26	58	186	482	31%
Assets per Employee ($)	$17.2M +1.4% YoY -2.0% QoQ	+$9.7M	$7.5M	$10.1M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	14.1% -2.1pp YoY +0.2pp QoQ	+1.9pp	12.2%	13.2%	11.6%	62%
Cost of Funds (YTD)	1.7% -0.1pp YoY -0.1pp QoQ	0.0pp	1.7%	1.6%	1.7%	48%
Net Income ($, YTD)	$4.7M +3.6% YoY — QoQ	+$2.2M	$2.6M	$15.9M	$40.4M	86%

Get Full Access to Trinity Bank, N.A.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (9 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

356

Non-Interest-Bearing Deposit Share

funding

Value: 32.48%

Peer Median: 22.03%

#356 of 2643 Top 13.4% in $100M-$1B

363

Efficiency Ratio

profitability

Value: 48.38%

Peer Median: 64.48%

#363 of 2643 Top 13.7% in $100M-$1B

547

Total Deposits

size

Value: $495.81M

Peer Median: $326.73M

#547 of 2643 Top 20.7% in $100M-$1B

580

Total Assets

size

Value: $569.13M

Peer Median: $386.57M

#580 of 2643 Top 21.9% in $100M-$1B

621

Tier 1 Capital Ratio

capital

Value: 16.93%

Peer Median: 15.91%

#621 of 2643 Top 23.5% in $100M-$1B

649

Total Loans

size

Value: $364.08M

Peer Median: $258.35M

#649 of 2643 Top 24.5% in $100M-$1B

654

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.32%

#654 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available