# TRINITY BANK N A
FORT WORTH, TX · FDIC certificate 57543 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $569.1M | |
| Deposits | $495.8M | |
| Loans and leases | $369.7M | |
| Total equity | $70.0M | |
| Loans / deposits | 73.43% (p32 of band) | 82.04% |
| Liquid assets / assets | 32.43% (p70 of band) | |
| Uninsured deposits / deposits | 52.00% (p96 of band) | 25.97% |
| Brokered deposits | 0.89% | |
| Wholesale funding | 0.89% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.79% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -2.31% (p77 of band) | -8.10% |
| AOCI / equity | -0.45% (p44 of band) | |
| ROA (annualized) | 1.69% (p75 of band) | 1.28% |
| Net interest margin | 4.06% (p58 of band) | 3.91% |
| Efficiency ratio | 48.38% (p15 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p82 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 47% | |
| Construction % of loans | 72.20% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | capital falling, charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, assets shrinking |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | uninsured deposits >50% |  |
| 2021-03 | 1 |  | uninsured deposits >50% |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 0 |  | uninsured deposits >50% |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 1 | capital falling | securities losses >30% of equity |
| 2024-03 | 1 | uninsured deposits >50% | capital falling |
| 2024-06 | 0 |  | uninsured deposits >50% |
| 2024-09 | 1 | uninsured deposits >50% |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | uninsured deposits >50% |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | uninsured deposits >50% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-13 [Trinity Bank Reports Record Second Quarter 2026 Earnings Net Income for Quarter Up 3.0% to $2,445,000 - Carroll County Mirror-Democrat](https://news.google.com/rss/articles/CBMitwFBVV95cUxPeTd3emlpUk5BZy1xR1BJeVNYeWlvOEVaN0lvUFAtR0ZUMzBUNi0ybUlPTWhkblUwUEdvbUlxVnh2TExHQ0NRWTRaZTVBSGNla3VjbWhMQ3djOFRyY2tyYjJoOFlPb1BTRzF5WDJyWXNRWjZPdXJaR0NSUnFteTU3OUQ4THFGN29JQndheW5vNjJaTDg2dEJYRk9FaU94WkJuMjl4c08ydFRPSUpTS3Iwc0JGUEVnbW8?oc=5) · Carroll County Mirror-Democrat
- 2023-10-03 [Trinity Bank celebrates 20th anniversary - Fort Worth Report](https://news.google.com/rss/articles/CBMihwFBVV95cUxOWEloQnptTXBzU1NiOFMyNXdVVjJfZTBMdV9GWFVLZEEzTE91TFlpZWxaSWh6V2J4N05NT3dZLXpJMkJiTUdpNm0yU2NfUDFiUzVDWERFWG9FRGJYc3N5Y1c4dGl1cGllRnIzWEhnNXJCdWI4VG9lMFlmczhydkJWTWtQajlzOXM?oc=5) · Fort Worth Report
- 2026-08-13 [Trinity Bank loans grew 13.5% in the second quarter - stocktitan.net](https://news.google.com/rss/articles/CBMivwFBVV95cUxPa0dycUU1dFVYZTVXNkxJdE9rMjFzblR0VmFhMWZUamcxVmNlZEprX2Q1N2ozOFhEYjcyUkZKUUQxTVBIVXE0b0xkOWpHX3h0Mk9JSm5fVy1hd3F3bEY2akhKOWg5WUIwTjNpSlhkMHd3U0hEWVBQV2t6VVd4YUtxalozU2FoT3pyQ3JZQkxXeE5ZYnU4cjV3bmF6R01qU3BZSUFKbmJNMFBQSURUcEVSWmZtaHQ3TlJlOUJVMmpCdw?oc=5) · stocktitan.net
- 2025-01-25 [Trinity Bank Named as One of the 2024 Top-Performing Banks by American Banker - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPV2RMM2J5UVRhb2E2WnJmSGZFbllPVFpzamV1Nzdac2tvSEJNR3hBZGM0TlZVOE5UZWwxOGp6blVJSTNpMXdsUlQwMHR0NUhSSUd3T2lEbzZvaVhzRVZpVDc4cmtrYzJtTThpbnZ4Tko0a0xFa2VrMmF2MzRoWENhSllUUzFMd2lIelg0VFJPRWxUUE14Q19tcUR6eDlyYjg1OFJkaUJ1SGh4OWNTdENQcUFmSU9Yd3o1TmZWakUzbzRFam1LTWhPRFFGRmZtbE8tdlI2dWs0Wl9idl9XdWtTZEpGTnM?oc=5) · ACCESS Newswire
- 2017-11-20 [TYBT Stock Price and Chart — OTC:TYBT - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE4wUDdvend6eUlUNTZhN2JoMmlQR0lDTm1WQ3ZpdHVobDdsTUxmdDBjLVh6T2ZEVFVnYVN0RXNkMHlQbnJMU2pkbzR0dVB4cUl2NXd4R1Z5bzA?oc=5) · TradingView
- 2026-08-13 [Trinity Bank Reports Record Second Quarter 2026 Earnings Net Income for Quarter Up 3.0% to $2,445,000 - Corsicana Daily Sun](https://news.google.com/rss/articles/CBMiiwJBVV95cUxQQUJUcnV3b2tMa2R1SlFVQWwzOXR4dHhndTU0QzBzWmxYZjlsYmZvVFdfY1NJYWI2NVdVbkxVWGdGV0gtTEZwOEtyOFB3b01Mc2JHUjhxUUhxLXgybnhYR2JXS1lMaWd0X09WV2xVcUJIMTg2OTdSbEtJZU9wNFJxT2NBUjRjMWl5QUlvejNOa0NmUDhYQjAzTG13ZDd6NFp4VHFhTTZTUm13OGk0YjVPcVFESjdVa0J4MWkxc0VaMnBkbmZHMXM5dlViRE1veVdoMW9WdGNIN2RXNU9HWDBiTkF0T2kyWktyUWc1ZTQxbGdPX1J3RDI0dVlsLUlmTzNQNEJmbExqR09OTU0?oc=5) · Corsicana Daily Sun
- 2014-02-13 [Interview with the President: Trinity Bank, N.A. (TYBT) - The Wall Street Transcript](https://news.google.com/rss/articles/CBMiigFBVV95cUxPbGsxZlpTN1hoNEVZTXdCdWtTdnZnaURLYXV2UkU1TlRka0wzYmtuNklCbXBDU3NNUm9ERGVtejJTVl9LZVNoaVNrdTA4MElIZ3E1MktvSlVwQUxhcFlNa3JRWkdrbXFCNkZkdWF1aHpQTm8wRzJhNlo2NV9meS1ucHh2REZqMkpPN2c?oc=5) · The Wall Street Transcript
- 2017-12-26 [Mr. ELIAS JAMES "E.J." NADER Obituary Dec 26, 2017 - Harper & Lucas Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMidkFVX3lxTE1RMTJxOER4aWU2cVFwbm1zZXNISkpBWVFXUlVmZnBtbTRrRWwxNml5QmtvNzl6MDhiYVU5THhXQlZuRTRzNm5VMTZhUWF0dDdfaTl0eEhsdTdrSnB0OG15alZMenl1bEl1cEpxaTRzT1BHYlpvUnc?oc=5) · Harper & Lucas Funeral Home & Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57543 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "57543", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide