Trinity Bank Reports Record Third Quarter 2026 Earnings Net Income for Quarter Up 7.9% to $2,509,000
Loan growth outpaced deposit growth, while nine-month returns on assets and equity declined despite higher earnings.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Rhea-AI Summary
Trinity Bank (TYBT) reported record third-quarter 2026 net income of $2,509,000, extending its record quarterly earnings to a second consecutive quarter. Net income rose 7.9% year over year, while diluted earnings per share increased 7.5% to $2.20 from $2.04. Loans rose 10.8% to $378.400 million, deposits increased 3.0% to $508.232 million, and capital grew 0.4% to $63.446 million.
For the first nine months of 2026, net income increased 5.0% to $7,256,000, and diluted earnings per share rose 4.5% to $6.35. Quarterly return on assets improved to 1.73% from 1.70%, but return on equity fell to 15.04% from 15.20%. Nine-month returns on assets and equity both declined year over year. The quarterly capital buffer ratio increased to 10.18% from 9.99%.
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Positive
- Moderate pointThird-quarter net income rose 7.9% year over year to a record $2,509,000.
- Moderate pointLoans increased 10.8% to $378.400 million from $341.632 million a year earlier.
- Moderate pointDeposits rose 3.0% to $508.232 million from $493.479 million a year earlier.
- Minor pointThird-quarter diluted EPS increased 7.5% to $2.20 from $2.04 a year earlier.
- Minor pointNine-month net income increased 5.0% to $7,256,000 from $6,908,000 in 2025.
4 minor points
- Minor pointNine-month diluted EPS rose 4.5% to $6.35 from $6.08 in 2025.
- Minor pointThird-quarter return on assets improved to 1.73% from 1.70% a year earlier.
- Minor pointCapital increased 0.4% to $63.446 million from $63.224 million a year earlier.
- Minor pointCapital buffer ratio increased to 10.18% from 9.99% a year earlier.
Negative
- Minor pointNine-month return on equity declined to 14.55% from 15.80% in 2025.
- Minor pointNine-month return on assets declined to 1.71% from 1.75% in 2025.
- Minor pointThird-quarter return on equity fell to 15.04% from 15.20% a year earlier.
AI-generated analysis. How Rhea-AI works. Not financial advice.
FORT WORTH, TX / ACCESS Newswire / October 28, 2026 / Trinity Bank, N.A. (OTCID:TYBT) today announced operating results for the third quarter ended September 30, 2026.
Results of Operations
Trinity Bank, N.A., reported record quarterly net income of
"We are pleased with the results of the third quarter. Our net income set a record for the second consecutive quarter, and earnings growth accelerated to
| In 000's | ||||||||||||
| For the Quarter Ended | ||||||||||||
| 9/30/2026 | 9/30/2025 | Change | ||||||||||
Net Income | $ | 2,509 | $ | 2,325 | 7.9 | % | ||||||
Loans | $ | 378,400 | $ | 341,632 | 10.8 | % | ||||||
Deposits | $ | 508,232 | $ | 493,479 | 3.0 | % | ||||||
Capital | $ | 63,446 | $ | 63,224 | 0.4 | % | ||||||
Diluted Earnings per Share | $ | 2.20 | $ | 2.04 | 7.5 | % | ||||||
Return on Assets | 1.73 | % | 1.70 | % | ||||||||
Return on Equity | 15.04 | % | 15.20 | % | ||||||||
Capital Buffer Ratio | 10.18 | % | 9.99 | % | ||||||||
Page 2 - Trinity Bank third quarter 2026 earnings
| In 000's | ||||||||||||
| For the Nine Months Ended | ||||||||||||
| 9/30/2026 | 9/30/2025 | Change | ||||||||||
Net Income | $ | 7,256 | $ | 6,908 | 5.0 | % | ||||||
Diluted Earnings per Share | $ | 6.35 | $ | 6.08 | 4.5 | % | ||||||
Return on Assets | 1.71 | % | 1.75 | % | ||||||||
Return on Equity | 14.55 | % | 15.80 | % | ||||||||
| *Percentage change columns are calculated using unrounded amounts and may not recalculate precisely from the rounded figures presented | ||||||||||||
Trinity Bank, N.A., is a commercial bank that began operations on 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:
Mindy Hegi
CFO
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.
SOURCE: Trinity Bank N.A.
View the original press release on ACCESS Newswire
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What were Trinity Bank's third-quarter 2026 earnings?
Trinity Bank earned a record $2,509,000 in the third quarter of 2026, up 7.9% from $2,325,000 a year earlier. Diluted earnings per share increased 7.5% to $2.20 from $2.04.
How much did Trinity Bank's loans and deposits grow in the third quarter of 2026?
Trinity Bank reported loans of $378.400 million, up 10.8% from $341.632 million a year earlier, and deposits of $508.232 million, up 3.0% from $493.479 million.