Total Assets
$441M
Total balance-sheet footings
FDIC Cert #13000 · Ennis, Texas · Est. 1933
Trinity Capital Bank of Texas - FDIC Bank Health Profile
A community-scale look at Trinity Capital Bank of Texas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $441M
- Total assets
- C
- Health grade · Fair
- 1.22%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
Trinity Capital Bank of Texas earns a PlainBankData health grade of C (62/100), with 9.58% Tier 1 capital, profitable at 1.22% ROA, 64% efficiency ratio.
- #1,954
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 9.58%
- Tier 1 ratio - below the 10% well-capitalized line
- 58th
- 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 Capital Bank of Texas's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Trinity Capital Bank of Texas's composite health score
Tier 1 Capital Ratio (9.58%) 18/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (5.12%) 16/20
Efficiency Ratio (63.72%) 8/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$355M
Customer-funded liabilities
Net Loans
$336M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Trinity Capital Bank of Texas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Trinity Capital Bank of Texas's score of 62/100 falls in the highlighted band.
Trinity Capital Bank of Texas'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 Capital Bank of Texas's $441M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.58% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.58%
Texas Ratio
5.12%
Equity Capital
$33M
Profitability metrics
Return on Assets (ROA)
58th percentile nationally
1.22%
Return on Equity (ROE)
17.80%
Efficiency Ratio
63.72%
What the numbers say about Trinity Capital Bank of Texas
Trinity Capital Bank of Texas is an FDIC-insured institution (Certificate #13000) headquartered in Ennis, Texas, established in 1933. It holds $441M in total assets - 1,954th of 4,313 FDIC-insured banks, $355M in customer deposits, and $336M in net loans. Its capital position: a Tier 1 ratio of 9.58%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.12% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (62 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 Capital Bank of Texas sits 175th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$25M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Trinity Capital Bank of Texas reports a Texas Ratio of 5.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.12% - 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 Capital Bank of Texas (FDIC Cert #13000) - 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 Capital Bank of Texas's health grade?▼
Trinity Capital Bank of Texas receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Trinity Capital Bank of Texas?▼
Trinity Capital Bank of Texas holds $441M in total assets and $355M in deposits, ranking 1,954th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ennis, Texas.
Is my money safe at Trinity Capital Bank of Texas?▼
Yes, deposits at Trinity Capital Bank of Texas (Certificate #13000) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Trinity Capital Bank of Texas's Tier 1 Capital Ratio?▼
Trinity Capital Bank of Texas has a Tier 1 Capital Ratio of 9.58%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Trinity Capital Bank of Texas?▼
Trinity Capital Bank of Texas has a Texas Ratio of 5.12%. 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 Capital Bank of Texas?▼
Trinity Capital Bank of Texas has an Efficiency Ratio of 63.72%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Trinity Capital Bank of Texas's profile as a depositor or analyst.
- Trinity Capital Bank of Texas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Trinity Capital Bank of Texas 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.