BlastPoint's Banking Scorecard
Trinity Bank, N.A.
Community
Specialty: Commercial
TX
FDIC cert 57543
Fort Worth, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Trinity Bank, N.A. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$553.4M
+6.0% YoY
-1.4% QoQ
|
-$838.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$337.8M
+12.5% YoY
+0.5% QoQ
|
-$637.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$483.1M
+3.9% YoY
-2.1% QoQ
|
-$681.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.70%
-0.9% YoY
-1.3% QoQ
|
+0.53% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.96%
+8.0% YoY
+0.6% QoQ
|
+0.30% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
48.30%
+8.2% YoY
-0.2% QoQ
|
-14.33% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
69.92%
+8.3% YoY
+2.7% QoQ
|
-13.14% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
29.67%
-6.0% YoY
+6.5% QoQ
|
+8.62% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
17.08%
-0.1% YoY
+2.0% QoQ
|
+6.84% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.16%
+11.3% YoY
+51.9% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
87
87th pctile
Efficiency Ratio
Current: 48.30% · Tier avg: 62.63%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.08% · Tier avg: 10.24%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.67% · Tier avg: 21.05%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.92% · Tier avg: 83.06%
69
69th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
10
10th pctile
Total Deposits
Current: $483.1M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $553.4M · Tier avg: $1.4B
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
7
7th pctile
Total Loans
Current: $337.8M · Tier avg: $975.5M
Top Weaknesses
7
7th pctile
Total Loans
Current: $337.8M · Tier avg: $975.5M
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
8
8th pctile
Total Assets
Current: $553.4M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $483.1M · Tier avg: $1.2B
69
69th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.92% · Tier avg: 83.06%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.67% · Tier avg: 21.05%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.08% · Tier avg: 10.24%
87
87th pctile
Efficiency Ratio
Current: 48.30% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%