Vanguard National Trust Company, National Association
Malvern, PA · Cert 57304 · Peer group: banks under $1B in assets (n=629)
FDIC
Q2 2026
$196.6MAssets
$0KLoans
$0KDeposits
$90.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets (rank 26 of 629).
- Widest gap: net interest margin trails 95% of banks under $1B in assets (rank 598 of 629).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
3.23%
Rank 40 of 629
Net Interest Margin
2.11%
Rank 598 of 629
Efficiency Ratio
97.30%
Rank 579 of 629
Equity / Assets
45.83%
Rank 49 of 629
Non-interest income vs. expense
Favorable gap of $4.3M · efficiency ratio beats 8% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.23% | 0.60% | 1.01% | 1.45% | Beats 94% | 40 / 629 | |
| Return on Equity | 7.05% | 5.38% | 9.30% | 13.28% | Beats 33% | 420 / 629 | |
| Net Interest Margin | 2.11% | 3.03% | 3.54% | 4.05% | Beats 5% | 598 / 629 | |
| Efficiency Ratio | 97.30% | 58.35% | 67.79% | 79.08% | Beats 8% | 579 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 146.85% | 11.24% | 13.84% | 18.77% | Beats 96% | 26 / 629 | |
| Total Risk-Based Capital Ratio | 146.85% | 11.58% | 14.43% | 19.66% | Beats 96% | 26 / 629 | |
| Equity / Assets | 45.83% | 9.09% | 10.65% | 13.80% | Beats 92% | 49 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |