Trinity Bank, N.A.: how it compares with its peers
Against 137 TX banks with half to twice its assets, Trinity Bank, N.A.'s strongest measure in Q2 2026 is assets per employee ($17.2M vs. a $7.4M peer median). Its weakest relative measure is net interest margin (4.06% vs. 4.21%).
| Measure | Trinity Bank, N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.44% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 4.21% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.38% | 60.89% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.2M | $7.4M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.43% | 76.47% | Context |
What it means for lending operations
Its efficiency ratio of 48.38% is better than the 60.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- International Bank of Commerce Zapata, TX · $568M
- First Commercial Bank, National Association Seguin, TX · $566M
- The Karnes County National Bank of Karnes City Karnes City, TX · $577M
- SouthTrust Bank, N.A. George West, TX · $579M
- Texas Traditions Bank Katy, TX · $556M
- The Bank and Trust, S.S.B. Del Rio, TX · $584M
Questions about Trinity Bank, N.A.
How big is Trinity Bank, N.A.?
Trinity Bank, N.A., established in 2003, is headquartered in Fort Worth, TX. It reported $569M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Trinity Bank, N.A.'s return on assets?
1.69% annualized in Q2 2026, against a 1.44% median for 137 TX banks with half to twice its assets, ahead of 64% of them.
What is Trinity Bank, N.A.'s efficiency ratio?
48.38% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is Trinity Bank, N.A. growing its loans?
Net loans grew 13.7% over the year to Q2 2026, while deposits grew 6.6%.
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.