Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Trinity Bank NATYBT 71 Equity-to-Asset is 0.12 as of Dec. 2025, which is 9% above its 10-year median of 0.11. GuruFocus rates TYBT with a GF Score™ of 71/100 and a GF Value™ of $115.28 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, Trinity Bank NA ranks better than 72.39% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Trinity Bank NA's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $66.61 Mil. Trinity Bank NA's Total Assets for the quarter that ended in Dec. 2025 was $553.36 Mil.
Therefore, Trinity Bank NA's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.12.
The historical rank and industry rank for Trinity Bank NA's Equity-to-Asset or its related term are showing as below:
TYBT'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.11 Max: 0.12
Current: 0.12
During the past 10 years, the highest Equity to Asset Ratio of Trinity Bank NA was 0.12. The lowest was 0.10. And the median was 0.11.
TYBT's Equity-to-Asset is ranked better than 72.39% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs TYBT: 0.12
Trinity Bank NA (OTCPK:TYBT) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Trinity Bank NA Equity-to-Asset Related Terms
Trinity Bank NA Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Trinity Bank NA's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TYBT vs PFBX, NWPP, SFBC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Trinity Bank NA's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Trinity Bank NA Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Trinity Bank NA's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Trinity Bank NA's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Trinity Bank NA's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Trinity Bank NA (TYBT) has a Equity-to-Asset of 0.12 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Trinity Bank NA and its competitors. This is near median its historical median of 0.11. Over the past decade, Trinity Bank NA's Equity-to-Asset has ranged from 0.10 to 0.12. According to the industry distribution chart, Trinity Bank NA ranks #421 out of 1525 companies in the Banks industry, placing it in the top 27.6%.
Is Trinity Bank NA's Equity-to-Asset too high?
Trinity Bank NA's current Equity-to-Asset of 0.12 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Trinity Bank NA's value of 0.12 is 20% above this industry median. Based on the distribution chart, Trinity Bank NA ranks #421 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Trinity Bank NA has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trinity Bank NA's Equity-to-Asset compare to PFBX and NWPP?
According to the Banks industry distribution chart, Trinity Bank NA ranks #421 out of 1525 companies for Equity-to-Asset. This puts Trinity Bank NA in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Trinity Bank NA's value of 0.12 is 20% above this benchmark. Historically, Trinity Bank NA's own Equity-to-Asset has ranged from 0.10 to 0.12 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, Trinity Bank NA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trinity Bank NA's current Equity-to-Asset of 0.12 is 20% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Trinity Bank NA and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trinity Bank NA's current Equity-to-Asset is 0.12, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trinity Bank NA stock overvalued right now?
Based on GuruFocus' analysis, Trinity Bank NA (TYBT) is currently considered Modestly Undervalued. The stock's GF Value™ is $115.28, compared to a current price of $97.00 — trading 15.9% below its estimated fair value. The current Equity-to-Asset is 0.12, which is near median its 10-year median of 0.11 and 20% above the Banks industry median of 0.10. Trinity Bank NA's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Trinity Bank NA (TYBT), the current Equity-to-Asset is 0.12 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Trinity Bank NA (TYBT) Overvalued in 2026?
Based on GuruFocus' analysis, Trinity Bank NA stock appears to be undervalued.
The current stock price of $97.00 is trading 15.9% below its estimated GF Value™ of $115.28.
GuruFocus considers Trinity Bank NA to be Modestly Undervalued.
Key valuation signals for TYBT:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.11)
GF Value™: $115.28 vs. price of $97.00 (15.9% below fair value)
Industry Position: 20% above the Banks median (#421 of 1525)
No single metric tells the full story. See the TYBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trinity Bank NA operates as a national bank. The bank provides a full range of banking services to individual and corporate customers and is subject to competition from other local, regional, and national financial institutions.
71GF Score
Get the complete analysis for TYBT
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TYBT has been successfully added to your 
