The First National Bank of Trinity: how it compares with its peers
Against 84 TX banks with half to twice its assets, The First National Bank of Trinity's strongest measure in Q2 2026 is net interest margin (4.33% vs. a 4.02% peer median). Its weakest relative measure is assets per employee ($3.4M vs. $5.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.28% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.33% | 4.02% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.69% | 66.40% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.4M | $5.8M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.36% | 55.73% | Context |
What it means for lending operations
Its efficiency ratio of 81.69% is above the 66.40% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Junction National Bank Junction, TX · $93M
- Menard Bank Menard, TX · $91M
- Bandera Bank Bandera, TX · $89M
- First National Bank Rotan, TX · $96M
- Angelina Savings Bank, SSB Lufkin, TX · $87M
Questions about The First National Bank of Trinity
How big is The First National Bank of Trinity?
The First National Bank of Trinity, established in 1911, is headquartered in Trinity, TX. It reported $93M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Trinity's return on assets?
0.83% annualized in Q2 2026, against a 1.28% median for 84 TX banks with half to twice its assets, ahead of 25% of them.
What is The First National Bank of Trinity's efficiency ratio?
81.69% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 66.40%, and lower is better.
Is The First National Bank of Trinity growing its loans?
Net loans grew 2.2% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.