Total Assets
$553M
Total balance-sheet footings
FDIC Cert #57543 · Fort Worth, Texas · Est. 2003
Trinity Bank, N.A. - FDIC Bank Health Profile
A community-scale look at Trinity Bank, N.A.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $553M
- Total assets
- A
- Health grade · Excellent
- 1.70%
- Return on assets
- 17.1%
- Tier 1 capital
Data updated July 2026
The verdict
Trinity Bank, N.A. earns a PlainBankData health grade of A (100/100), with well-capitalized at 17.08% Tier 1, profitable at 1.70% ROA, efficient (48% cost ratio).
- #1,668
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 17.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 83rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Trinity Bank, N.A.'s 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Trinity Bank, N.A.'s composite health score
Tier 1 Capital Ratio (17.08%) 40/40
Return on Assets (ROA) (1.70%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (48.30%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$483M
Customer-funded liabilities
Net Loans
$338M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Trinity Bank, N.A. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Trinity Bank, N.A.'s score of 100/100 falls in the highlighted band.
Trinity Bank, N.A.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Trinity Bank, N.A.'s $553M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.08%
Texas Ratio
0.00%
Equity Capital
$67M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.70%
Return on Equity (ROE)
15.26%
Efficiency Ratio
48.30%
What the numbers say about Trinity Bank, N.A.
Trinity Bank, N.A. is an FDIC-insured institution (Certificate #57543) headquartered in Fort Worth, Texas, established in 2003. It holds $553M in total assets - 1,668th of 4,313 FDIC-insured banks, $483M in customer deposits, and $338M in net loans. Its capital position: a Tier 1 ratio of 17.08%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Trinity Bank, N.A. sits 150th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$30M
Interest Income
$906K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Trinity Bank, N.A. reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Trinity Bank, N.A. (FDIC Cert #57543) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Trinity Bank, N.A.'s health grade?▼
Trinity Bank, N.A. receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Trinity Bank, N.A.?▼
Trinity Bank, N.A. holds $553M in total assets and $483M in deposits, ranking 1,668th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fort Worth, Texas.
Is my money safe at Trinity Bank, N.A.?▼
Yes, deposits at Trinity Bank, N.A. (Certificate #57543) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Trinity Bank, N.A.'s Tier 1 Capital Ratio?▼
Trinity Bank, N.A. has a Tier 1 Capital Ratio of 17.08%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Trinity Bank, N.A.?▼
Trinity Bank, N.A. has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Trinity Bank, N.A.?▼
Trinity Bank, N.A. has an Efficiency Ratio of 48.30%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Trinity Bank, N.A.'s profile as a depositor or analyst.
- Trinity Bank, N.A.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Trinity Bank, N.A. against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.