Headquartered in Trinity, Texas, The First National Bank of Trinity is a national bank with $92.8M in total assets and $86.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1911.
Based on its Q2 2026 filing, The First National Bank of Trinity scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 196th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (42/100; 9.16%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (70 → 73), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 75 |
| Q4 2025 | 74 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.85% |
| Q3 2024 | 9.97% |
| Q4 2024 | 10.09% |
| Q1 2025 | 9.57% |
| Q2 2025 | 9.30% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.46% |
| Q1 2026 | 9.44% |
| Q2 2026 | 9.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.93% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.85% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $92.8M | 9.16% | 0.00% | 0.83% | 52.4% |
| Q1 2026 | 73 | $91.0M | 9.44% | 0.00% | 0.85% | 52.2% |
| Q4 2025 | 74 | $97.3M | 9.46% | 0.07% | 1.00% | 50.5% |
| Q3 2025 | 75 | $93.0M | 9.59% | 0.00% | 0.99% | 50.8% |
| Q2 2025 | 70 | $89.8M | 9.30% | 0.30% | 0.84% | 52.2% |
| Q1 2025 | 70 | $90.3M | 9.57% | 0.39% | 0.93% | 51.6% |
| Q4 2024 | 72 | $85.4M | 10.09% | 0.44% | 0.97% | 52.4% |
| Q3 2024 | 71 | $90.9M | 9.97% | 0.56% | 0.90% | 50.6% |
| Q2 2024 | 69 | $88.0M | 9.85% | 0.56% | 0.84% | 51.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Junction National BankBank Junction, TX | 86 out of 100, Very strong | $93.0M | 12.0% | 0.00% | vs |
| Menard BankBank Menard, TX | 87 out of 100, Very strong | $90.7M | 12.7% | 0.00% | vs |
| Bandera BankBank Bandera, TX | 89 out of 100, Very strong | $89.3M | 12.3% | 0.30% | vs |
| First National BankBank Rotan, TX | 42 out of 100, Below average | $96.5M | 9.7% | 3.09% | vs |
| Angelina Savings Bank, SSBBank Lufkin, TX | 80 out of 100, Strong | $86.9M | 11.4% | 0.16% | vs |
| The First Bank of CelesteBank Celeste, TX | 75 out of 100, Strong | $83.9M | 8.4% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Trinity?
Yes. The First National Bank of Trinity is an FDIC-insured institution (FDIC certificate #5559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.9% of deposits ($10.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.16%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The First National Bank of Trinity lists 3 offices in 3 cities. Most locations:
- Jefferson, TX (1)
- Riverside, TX (1)
- Trinity, TX (1)
Identity & history
Profile
- Legal name
- The First National Bank of Trinity
- Type
- National bank
- FDIC certificate #
- 5559
- RSSD ID
- 479567
- Primary regulator
- OCC
- Established
- September 11, 1911
- Headquarters
- 145 S Robb St, Trinity, TX 75862
- Website
- www.fnbtrinity.com
- Employees
- 27
Quick answers
The First National Bank of Trinity: common questions
Is The First National Bank of Trinity FDIC insured?
Yes. The First National Bank of Trinity is an FDIC-insured institution (FDIC certificate #5559). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Trinity's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Trinity ever failed?
There is no failure record for FDIC certificate #5559 in the FDIC failed bank list.
How many branches does The First National Bank of Trinity have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Trinity
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of LivingstonBank Livingston, TX | 98 out of 100, Very strong | $467.2M | 15.5% | 0.05% | vs |
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| Walker County Federal Credit UnionCredit union Huntsville, TX | 85 out of 100, Very strong | $54.3M | 16.5% | 0.57% | vs |
| Citizens State BankBank Corrigan, TX | 83 out of 100, Strong | $190.6M | 12.0% | 0.50% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |
| Lovelady State BankBank Lovelady, TX | 73 out of 100, Strong | $52.5M | 12.8% | 1.42% | vs |