TYBT - Trinity Bank: The Mini-Frost

• Trinity is a safe lender, operating out of a strong local market.
• Even though it has a cheap and strong deposit base, the makeup of Trinity's balance sheet has prevented it from earning high returns in this low-rate environment.
• Its efficiency, however, has allowed it to generate relatively strong returns even while rates are low.
• Because of the makeup of its balance sheet, Trinity is poised to outperform if rates do increase.
• And at 15x 2020 earnings, shareholders can get a growing, safe bank that has some serious upside optionality if rates do increase.

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