Trinity Bank Reports Results for 2025 Net Income Up 8.2% to $9,149,000

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Trinity Bank Reports Results for 2025 Net Income Up 8.2% to $9,149,000

ECONOMY 09.02.2026

RETURN ON ASSETS 1.71%

RETURN ON EQUITY 14.37%

Text size:

FORT WORTH, TX / ACCESS Newswire / February 9, 2026 / Trinity Bank N.A. (OTC PINK:TYBT) today announced operating results for the fourth quarter and the twelve months ending December 31, 2025.

Results of Operation

For the fourth quarter of 2025, Trinity Bank, N.A., reported Net Income after Taxes of $2,241,000, an increase of 2.9% over fourth quarter 2024 earnings of $2,178,000. Earnings per diluted common share for the fourth quarter 2025 amounted to $1.96, an increase of 2.1% over fourth quarter 2024 results of $1.92 per diluted common share.

For fiscal year 2025, Net Income after Taxes was $9,149,000, an increase of 8.2% over 2024 results of $8,458,000. Earnings per diluted common share for fiscal year 2025 were $8.03, an increase of 7.3% over 2024 results of $7.48 per diluted common share.

Co-Chairman and CEO Matt R. Opitz stated, "Trinity Bank's fourth quarter results capped off a strong year of earnings. 2025's performance represents the most profitable year in history for Trinity Bank. We invested heavily in people and processes throughout the year to ensure Trinity Bank remains positioned for continued, long-term success. Achieving a record year, despite these significant investments, shows our commitment to recruiting and retaining top-quality people, and developing efficient processes, is working well.

"While there are risks, both domestically and internationally, that could play a role in economic growth in 2026, we are optimistic about the US and Texas economies. Consumers and businesses have proven resilient, and we are encouraged by our customers' optimism for the year ahead."

"As always, thank you to our hard-working staff. With their dedication, the economy positioned for growth and Trinity's strong balance sheet, we are confident in our ability to maintain this positive momentum in 2026."

Page 2 - Trinity Bank fourth quarter 2025 earnings

Page 3 - Trinity Bank fourth quarter 2025 earnings

Trinity Bank, N.A. is a commercial bank that began operations May 28, 2003. For a full financial statement, visit Trinity Bank's website: www.trinitybk.com Regulatory reporting format is also available at www.fdic.gov.

###

For information contact:
Richard Burt
Executive Vice President
Trinity Bank
817-763-9966

This Press Release may contain certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future financial conditions, results of operations and the Bank's business operations. Such forward-looking statements involve risks, uncertainties and assumptions, including, but not limited to, monetary policy and general economic conditions in Texas and the greater Dallas-Fort Worth metropolitan area, the risks of changes in interest rates on the level and composition of deposits, loan demand and the values of loan collateral, securities and interest rate protection agreements, the actions of competitors and customers, the success of the Bank in implementing its strategic plan, the failure of the assumptions underlying the reserves for loan losses and the estimations of values of collateral and various financial assets and liabilities, that the costs of technological changes are more difficult or expensive than anticipated, the effects of regulatory restrictions imposed on banks generally, any changes in fiscal, monetary or regulatory policies and other uncertainties as discussed in the Bank's Registration Statement on Form SB‑1 filed with the Office of the Comptroller of the Currency. Should one or more of these risks or uncertainties materialize, or should these underlying assumptions prove incorrect, actual outcomes may vary materially from outcomes expected or anticipated by the Bank. A forward-looking statement may include a statement of the assumptions or bases underlying the forward‑looking statement. The Bank believes it has chosen these assumptions or bases in good faith and that they are reasonable. However, the Bank cautions you that assumptions or bases almost always vary from actual results, and the differences between assumptions or bases and actual results can be material. The Bank undertakes no obligation to publicly update or otherwise revise any forward‑looking statements, whether as a result of new information, future events or otherwise, unless the securities laws require the Bank to do so.

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

	Quarter Ended										Twelve Months Ending
	December 31						%		December 31				%
EARNINGS SUMMARY	2025		2024		Change		2025		2024		Change

Interest income	$	7,774	$	7,426	4.7	%	$	29,972	$	28,579	4.9	%
Interest expense	2,441	2,681	-9.0	%	9,322	10,972	-15.0	%
Net Interest Income	5,333	4,745	12.4	%	20,650	17,607	17.3	%

Service charges on deposits	76	70	8.6	%	307	256	19.9	%
Other income	225	112	100.9	%	599	459	30.5	%
Total Non Interest Income	301	182	65.4	%	906	715	26.7	%


Salaries and benefits expense	2,015	1,343	50.0	%	7,028	5,254	33.8	%
Occupancy and equipment expense	155	117	32.5	%	572	495	15.6	%
Other expense	537	575	-6.6	%	2,811	2,455	14.5	%
Total Non Interest Expense	2,707	2,035	33.0	%	10,411	8,204	26.9	%

Pretax pre-provision income	2,927	2,892	1.2	%	11,145	10,118	10.2	%

Gain on sale of Securities	9	1	9	2
Gain on sale of Assets	0	0	0	53
Provision for Loan Losses	200	350	200	350

Earnings before income taxes	2,736	2,543	7.6	%	10,954	9,823	11.5	%
Provision for income taxes	495	365	35.6	%	1,805	1,365	32.2	%

Net Earnings	$	2,241	$	2,178	2.9	%	$	9,149	$	8,458	8.2	%

Basic earnings per share	2.05	2.01	2.0	%	8.40	7.83	7.3	%
Basic weighted average shares	1,093	1,085	1,089	1,080
outstanding

Diluted earnings per share - estimate	1.96	1.92	2.1	%	8.03	7.48	7.4	%
Diluted weighted average shares outstanding	1,143	1,135	1,139	1,130

	Average for Quarter										Average for Twelve Months
	December 31						%		December 31				%
BALANCE SHEET SUMMARY	2025		2024		Change		2025		2024		Change

Total loans	$	335,163	$	297,595	12.6	%	$	319,626	$	301,718	5.9	%
Total short term investments	68,152	84,667	-19.5	%	66,892	46,595	43.6	%
FRB Stock	468	438	6.8	%	459	436	5.3	%
Total investment securities	138,243	139,200	-0.7	%	135,844	139,161	-2.4	%

Earning assets	542,026	521,900	3.9	%	522,821	487,910	7.2	%

Total assets	559,186	529,766	5.6	%	535,354	495,755	8.0	%

Noninterest bearing deposits	143,277	140,237	2.2	%	137,953	132,835	3.9	%
Interest bearing deposits	346,772	331,293	4.7	%	334,160	307,873	8.5	%

Total deposits	490,049	471,529	3.9	%	472,113	440,708	7.1	%

Fed Funds Purchased and Repurchase Agreements	0	0	N/M	0	0	N/M

Shareholders' equity	$	66,283	$	58,388	13.5	%	$	63,666	$	56,039	13.6	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

	Average for Quarter Ending
	Dec 31,		Sept 30,		June 30,		March 31,		Dec 31,
BALANCE SHEET SUMMARY	2025		2025		2025		2025		2024

Total loans	$	335,163	$	323,165	$	317,410	$	302,369	$	297,595
Total short term investments	68,152	77,027	66,510	53,950	84,667
FRB Stock	468	462	459	449	438
Total investment securities	138,243	134,857	133,949	136,314	139,200

Earning assets	542,026	535,511	518,327	493,082	521,900

Total assets	559,186	547,494	530,621	503,366	529,766

Noninterest bearing deposits	143,277	136,352	137,911	133,982	140,237
Interest bearing deposits	346,772	346,779	332,645	310,105	331,293

Total deposits	490,049	483,131	470,556	444,087	471,529

Fed Funds Purchased and Repurchase Agreements	0	0	0	0	0

Shareholders' equity	$	66,283	$	64,787	$	62,680	$	60,843	$	58,388

	Quarter Ended
	Dec 31,		Sept 30,		June 30,		March 31,		Dec 31,
HISTORICAL EARNINGS SUMMARY	2025		2025		2025		2025		2024


Interest income	$	7,774	$	7,768	$	7,455	$	6,975	$	7,426
Interest expense	2,441	2,442	2,295	2,149	2,681
Net Interest Income	5,333	5,326	5,160	4,826	4,745

Service charges on deposits	76	84	76	71	70
Other income	225	136	131	106	112
Total Non Interest Income	301	220	207	177	182

Salaries and benefits expense	2,015	1,774	1,731	1,508	1,343
Occupancy and equipment expense	155	155	140	123	117
Other expense	537	742	712	814	575
Total Non Interest Expense	2,707	2,671	2,583	2,445	2,035

Pretax pre-provision income	2,927	2,875	2,784	2,558	2,892

Gain on sale of securities	9	(6	)	0	6	1
Gain on sale of Other Assets	0	0	0	0	0
Provision for Loan Losses	200	0	0	0	350

Earnings before income taxes	2,736	2,869	2,784	2,564	2,543
Provision for income taxes	495	545	410	355	365

Net Earnings	$	2,241	$	2,324	$	2,374	$	2,209	$	2,178

Diluted earnings per share	$	1.96	$	2.03	$	2.09	$	1.94	$	1.92

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

	Ending Balance
	Dec 31,		Sept 30,		June 30,		March 31,		Dec 31,
HISTORICAL BALANCE SHEET	2025		2025		2025		2025		2024

Total loans	$	343,314	$	341,633	$	325,809	$	304,944	$	305,864
FRB Stock	472	462	461	456	439
Total short term investments	52,144	70,495	55,130	90,040	69,746
Total investment securities	141,254	136,981	132,989	124,619	138,306

Total earning assets	537,184	549,571	514,389	520,059	514,355

Allowance for loan losses	(5,480	)	(5,592	)	(5,589	)	(5,586	)	(5,583	)
Premises and equipment	4,009	4,011	4,079	4,044	4,123
Other Assets	17,644	13,290	14,296	10,297	9,339

Total assets	553,357	561,280	527,175	528,814	522,234

Noninterest bearing deposits	143,332	139,387	133,902	140,500	146,834
Interest bearing deposits	339,809	354,092	331,050	329,329	318,206

Total deposits	483,141	493,479	464,952	469,829	465,040

Other Liabilities	3,605	4,577	3,072	2,661	2,711

Total liabilities	486,746	498,056	468,024	472,490	467,751

Shareholders' Equity Actual	67,568	65,196	63,664	62,276	59,758
Unrealized Gain/Loss - AFS	(957	)	(1,972	)	(4,513	)	(5,952	)	(5,275	)
Total Equity	$	66,611	$	63,224	$	59,151	$	56,324	$	54,483

	Quarter Ending
	Dec 31,		Sept 30,		June 30,		March 31,		Dec. 31,
NONPERFORMING ASSETS	2025		2025		2025		2025		2024

Nonaccrual loans	$	0	$	341	$	424	$	949	$	1,047
Restructured loans	0	0	0	0	0
Other real estate & foreclosed assets	0	0	0	0	0
Accruing loans past due 90 days or more	0	0	0	0	0
Total nonperforming assets	$	0	$	341	$	424	$	949	$	1,047

Accruing loans past due 30-89 days	$	0	$	0	$	0	$	1,000	$	0

Total nonperforming assets as a percentage
of loans and foreclosed assets	0.00	%	0.10	%	0.13	%	0.31	%	0.34	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

	Quarter Ending
ALLOWANCE FOR	Dec 31,		Sept 30,		June 30,		March 31,		Dec 31,
LOAN LOSSES	2025		2025		2025		2025		2024

Balance at beginning of period	$	5,583	$	5,583	$	5,583	$	5,583	$	5,230
Loans charged off	314	0	0	0	0
Loan recoveries	10	9	3	3	3
Net (charge-offs) recoveries	304	9	3	3	3
Provision for loan losses	200	0	0	0	350
Balance at end of period	$	5,479	$	5,592	$	5,586	$	5,586	$	5,583

Allowance for loan losses
as a percentage of total loans	1.60	%	1.64	%	1.72	%	1.83	%	1.83	%
Allowance for loan losses
as a percentage of nonperforming assets	0.00	%	1640	%	1318	%	589	%	533	%
Net charge-offs (recoveries) as a
percentage of average loans	0.09	%	0.00	%	0.00	%	0.00	%	0.00	%
Provision for loan losses
as a percentage of average loans	0.06	%	0.00	%	0.00	%	0.00	%	0.11	%

	Quarter Ending
	Dec 31,		Sept 30,		June 30,		March 31,		Dec 31,
SELECTED RATIOS	2025		2025		2025		2025		2024

Return on average assets (annualized)	1.60	%	1.70	%	1.79	%	1.76	%	1.64	%

Return on average equity (annualized)	13.81	%	15.30	%	16.69	%	15.67	%	15.85	%

Return on average equity (excluding unrealized gain on investments)	13.52	%	14.35	%	15.15	%	14.52	%	14.92	%

Average shareholders' equity to average assets	11.85	%	11.83	%	11.81	%	12.09	%	11.02	%

Yield on earning assets (tax equivalent)	5.97	%	6.03	%	5.98	%	5.72	%	6.09	%

Effective Cost of Funds	1.78	%	1.82	%	1.77	%	1.75	%	2.25	%

Net interest margin (tax equivalent)	4.18	%	4.21	%	4.21	%	3.97	%	3.84	%

Efficiency ratio (tax equivalent)	45.4	%	45.6	%	45.6	%	46.2	%	39.0	%

End of period book value per common share	$	60.94	$	57.84	$	54.42	$	51.82	$	50.21

End of period book value (excluding unrealized gain/loss on investments)	$	61.82	$	59.65	$	58.57	$	57.29	$	55.08

End of period common shares outstanding (in 000's)	1,093	1,093	1,087	1,087	1,085

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

	Twelve Months Ending
	December 31, 2025														December 31, 2024

	Tax		Tax
	Average		Equivalent		Average		Equivalent
YIELD ANALYSIS	Balance		Interest		Yield		Yield		Balance		Interest		Yield		Yield

Interest Earning Assets:
Short term investment	$	66,891	$	2,887	4.32	%	4.32	%	$	46,595	$	2,417	5.19	%	5.19	%
FRB Stock	459	27	6.00	%	6.00	%	436	26	6.00	%	6.00	%
Taxable securities	1,720	75	0.00	%	0.00	%	0	0	0.00	%	0.00	%
Tax Free securities	134,124	4,595	3.43	%	4.34	%	139,161	4,486	3.22	%	4.03	%
Loans	319,626	22,387	7.00	%	7.00	%	301,718	21,651	7.18	%	7.18	%

Total Interest Earning Assets	522,820	29,972	5.73	%	5.97	%	487,910	28,579	5.86	%	6.09	%

Noninterest Earning Assets:
Cash and due from banks	5,347	5,712
Other assets	12,776	7,363
Allowance for loan losses	(5,589	)	(5,230	)

Total Noninterest Earning Assets	12,534	7,845

Total Assets	$	535,354	$	495,755

Interest Bearing Liabilities:
Transaction and Money Market accounts	$	213,493	$	4,610	2.16	%	2.16	%	$	200,832	$	6,125	3.05	%	3.05	%
Certificates and other time deposits	120,670	4,711	3.90	%	3.90	%	107,041	4,846	4.53	%	4.53	%
Other borrowings	0	0	0.00	%	0.00	%	0	0	0.00	%	0.00	%

Total Interest Bearing Liabilities	334,163	9,322	2.79	%	2.79	%	307,873	10,972	3.56	%	3.56	%

Noninterest Bearing Liabilities:
Demand deposits	137,951	132,835
Other liabilities	3,471	3,074
Shareholders' Equity	59,769	51,974

Total Liabilities and Shareholders Equity	$	535,354	$	495,755

Net Interest Income and Spread	$	188,657	$	20,650	2.94	%	3.18	%	$	180,037	$	17,607	2.29	%	2.52	%

Net Interest Margin	3.95	%	4.18	%	3.61	%	3.84	%

TRINITY BANK N.A.
(Unaudited)
(Dollars in thousands, except per share data)

	December 31		December 31
	2025		%		2024		%
LOAN PORTFOLIO

Commercial and industrial	$	172,563	50.26	%	$	168,145	54.97	%
Real estate:
Commercial	108,360	31.56	%	96,441	31.53	%
Residential	19,262	5.61	%	11,209	3.66	%
Construction and development	43,014	12.53	%	29,933	9.79	%
Consumer	115	0.03	%	136	0.04	%

Total loans	$	343,314	100.00	%	$	305,864	100.00	%

	December 31		December 31
	2025		2024
REGULATORY CAPITAL DATA
Tier 1 Capital	$	67,569	$	59,758
Total Capital (Tier 1 + Tier 2)	$	72,524	$	64,147
Total Risk-Adjusted Assets	$	395,599	$	349,667
Tier 1 Risk-Based Capital Ratio	17.08	%	17.09	%
Total Risk-Based Capital Ratio	18.33	%	18.34	%
Tier 1 Leverage Ratio	12.08	%	11.28	%

OTHER DATA
Full Time Equivalent
Employees (FTE's)	34	28

Stock Price Range
(For the Three Months Ended):
High	$	104.51	$	91.00
Low	$	91.50	$	80.00
Close	$	93.00	$	91.00

SOURCE: Trinity Bank, NA (Fort Worth, Texas)

View the original press release on ACCESS Newswire

F.Wilson--AT

Arizona Tribune - Trinity Bank Reports Results for 2025 Net Income Up 8.2% to $9,149,000

Trinity Bank Reports Results for 2025 Net Income Up 8.2% to $9,149,000

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