TellerScore

Trinity Bank, N.A. (FDIC certificate #57543) is based in Fort Worth, Texas. Its Q2 2026 call report shows $569.1M in total assets and $495.8M in deposits and 1 office.

Based on its Q2 2026 filing, Trinity Bank, N.A. scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 61st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (46/100; 73% loans-to-deposits, 52% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.79%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 73.4% · 52.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 2 points (81 → 83), mostly because the capital cushion component improved by 8 points.

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202482
Q4 202477
Q1 202580
Q2 202581
Q3 202581
Q4 202582
Q1 202682
Q2 202683
Tier 1 leverage ratio
5.00%8.90%12.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.70%
Q3 202411.95%
Q4 202411.28%
Q1 202512.37%
Q2 202512.00%
Q3 202511.91%
Q4 202512.08%
Q1 202612.25%
Q2 202612.79%
Noncurrent loans
0.00%0.17%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.34%
Q1 20250.31%
Q2 20250.13%
Q3 20250.10%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.65%1.70%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.74%
Q3 20241.72%
Q4 20241.71%
Q1 20251.68%
Q2 20251.74%
Q3 20251.72%
Q4 20251.70%
Q1 20261.65%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$569.1M12.79%0.00%1.69%73.4%
Q1 202682$563.3M12.25%0.00%1.65%68.9%
Q4 202582$553.4M12.08%0.00%1.70%69.9%
Q3 202581$561.3M11.91%0.10%1.72%68.1%
Q2 202581$527.2M12.00%0.13%1.74%68.9%
Q1 202580$528.8M12.37%0.31%1.68%63.7%
Q4 202477$522.2M11.28%0.34%1.71%64.6%
Q3 202482$501.3M11.95%0.00%1.72%65.9%
Q2 202481$463.0M11.70%0.00%1.74%73.2%

2,650 peers · $100 million – $1 billion

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).

Capital ratio12.79%
73rd
Total risk-based capital18.18%
81st
Problem loans0.00%
94th
Net charge-offs0.13%
17th
Return on assets1.69%
75th
Net interest margin4.06%
57th
Efficiency ratio48.4%
86th
Loans to deposits73.4%
63rd
Uninsured deposits52.0%
3rd
Loan-loss reserves1.52%
80th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
First Commercial Bank, National AssociationBank Seguin, TX73 out of 100, Strong$565.9M10.3%0.45%vs
The Karnes County National Bank of Karnes CityBank Karnes City, TX46 out of 100, Below average$577.4M10.8%2.15%vs
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs
Texas Traditions BankBank Katy, TX69 out of 100, Moderate$555.9M9.4%0.00%vs
The Bank and Trust, S.S.B.Bank Del Rio, TX77 out of 100, Strong$583.8M10.0%0.05%vs

Deposit insurance

Is my money safe at Trinity Bank, N.A.?

Yes. Trinity Bank, N.A. is an FDIC-insured institution (FDIC certificate #57543). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.0% of deposits ($257.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.18% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Trinity Bank, N.A. lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Trinity Bank, N.A.
Type
National bank
FDIC certificate #
57543
RSSD ID
3185896
Primary regulator
OCC
Established
May 28, 2003
Headquarters
3500 W Vickery Blvd, Fort Worth, TX 76107
Employees
33

Quick answers

Trinity Bank, N.A.: common questions

Is Trinity Bank, N.A. FDIC insured?

Yes. Trinity Bank, N.A. is an FDIC-insured institution (FDIC certificate #57543). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Trinity Bank, N.A.'s TellerScore?

83 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 Trinity Bank, N.A. ever failed?

There is no failure record for FDIC certificate #57543 in the FDIC failed bank list.

How many branches does Trinity Bank, N.A. have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Worth

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs