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The First National Bank Of Trinity
Trinity, TX · FDIC Certificate #5559 · Chartered 09/1
Total assets
$92.79M
Total deposits
$86.04M
Total equity
$5.79M
Net loans
$45.05M
Branches (offices)
3
Net income (YTD)
$388.00K
Rank: #3,733 of 4,213 U.S. banks by assets · #311 of 346 in Texas. Assets changed 3.3% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 12.95% |
| Net interest margin (YTD) | 4.33% |
| Equity to assets | 6.25% |
| Tier 1 leverage ratio | 9.16% |
| Uninsured deposits (share of deposits) | 11.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 52.4% |
| Real estate loans (share of loans) | 75.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $34.14M | 75.8% | |
| Commercial & industrial | $1.71M | 3.8% | |
| Consumer / individual | $9.11M | 20.2% | |
| Construction & development | $3.45M | 7.7% | |
| Agricultural | $600.00K | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $79.94M | $76.81M | $410.00K | $2.60M |
| Jun 2023 | $81.58M | $77.90M | $397.00K | $3.04M |
| Jun 2024 | $88.03M | $82.85M | $370.00K | $4.10M |
| Jun 2025 | $89.80M | $84.39M | $371.00K | $4.56M |
| Jun 2026 | $92.79M | $86.04M | $388.00K | $5.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $86.04M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $86.04M.
Similar-sized banks
Flat Branch Bank ($92.80M) · Sanborn Savings Bank ($92.73M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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