BlastPoint's Banking Scorecard
The First National Bank of Trinity
Micro
Specialty: Other
TX
FDIC cert 5559
Designations: ✓ Community bank
Trinity, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Trinity shows strong momentum with 1 strength and 13.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.58% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.3M
+13.9% YoY
+4.7% QoQ
|
-$120.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$45.7M
+8.4% YoY
+4.2% QoQ
|
-$93.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$90.5M
+12.4% YoY
+4.8% QoQ
|
-$93.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.00%
+3.5% YoY
+1.5% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
4.12%
+7.9% YoY
+0.9% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
76.24%
-2.9% YoY
-0.3% QoQ
|
+8.51% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.07%
-83.1% YoY
|
-0.57% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
50.52%
-3.6% YoY
-0.6% QoQ
|
-24.00% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.98%
+14.1% YoY
+7.9% QoQ
|
+23.58% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-50.0% YoY
-0.7% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.76%
-12.2% YoY
+26.9% QoQ
|
+0.20% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.98%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.98% · Tier avg: 22.39%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.52% · Tier avg: 74.53%
86
86th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.24% · Tier avg: 67.73%
25
25th pctile
Total Deposits
Current: $90.5M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $97.3M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $45.7M · Tier avg: $139.2M
Top Weaknesses
17
17th pctile
Total Loans
Current: $45.7M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $97.3M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $90.5M · Tier avg: $183.7M
26
26th pctile
Efficiency Ratio
Current: 76.24% · Tier avg: 67.73%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
86
86th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.52% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.98% · Tier avg: 22.39%