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Trustar Bank

Great Falls, VA · Cert 59183 · Trustar Bankshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Trustar Bank

Great Falls, VA · Cert 59183 · Trustar Bankshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.1BAssets
$950.1MLoans
$970.4MDeposits
$107.7MEquity
Loan mix
86%RE $790.2M14%C&I $124.6M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $837.5M14%Noninterest $132.9MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.76%Q2 ’255.74%Q2 ’26+14%+12%

Non-interest income vs. expense

2.02%Q2 ’242.12%Q2 ’252.02%Q2 ’26+5%-4%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.3% share · #26 of 71 inst. · $1.0B of $301.4B

0.7% Fairfax
0.1% Montgomery
0.0% District of Columbia
0.1% Arlington

Executive Summary

  • Earnings: ROA of 0.65%, up 26 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.39% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.38%, down 64 bps from a year ago.
  • Funding: loans stand at 97.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+33 bps YoY

Efficiency Ratio (YTD, annualized)

65.57%-1,108 bps YoY

Tier 1 Leverage Ratio

9.38%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.45%0.51%0.61%0.65%+26 bps
Return on Equity4.06%4.73%5.47%6.78%7.14%+308 bps
Net Interest Margin2.72%2.72%2.70%2.96%3.06%+33 bps
Efficiency Ratio76.64%73.30%70.72%67.06%65.57%-1,108 bps
Non-Interest Burden2.08%1.98%1.90%1.97%1.99%-8 bps
Growth
Asset Growth (YoY)23.04%15.86%26.51%16.86%11.56%-1,148 bps
Loan Growth (YoY)22.62%16.22%18.23%18.83%17.15%-547 bps
Deposit Growth (YoY)23.86%16.03%28.43%19.40%13.03%-1,083 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.49%0.88%0.39%+36 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.00%0.00%-3 bps
Allowance / Loans1.00%1.01%1.02%1.03%1.06%+6 bps
Allowance Coverage of NPLs30.2x32.2x2.1x1.2x2.7x-27.5x
Capital
Tier 1 Leverage Ratio10.03%9.73%9.35%9.17%9.38%-64 bps
Total Risk-Based Capital13.48%13.02%12.56%12.54%12.44%-105 bps
Equity / Assets9.84%9.74%8.78%9.11%9.42%-42 bps
Liquidity & Funding
Loans / Deposits94.46%96.59%88.26%92.18%97.91%+345 bps
Liquid Assets / Assets12.54%9.26%14.58%11.77%7.35%-518 bps
CRE / Total Capitaln/a506%518%533%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Trustar Bank

Great Falls, VA · Cert 59183 · Peer group: banks $1B-$10B in assets (n=322-328) · Trustar Bankshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.1BAssets
$950.1MLoans
$970.4MDeposits
$107.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
  • Widest gap: return on assets trails 88% of banks $1B-$10B in assets (rank 288 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.66%

Rank 288 of 328

Net Interest Margin

3.06%

Rank 243 of 328

Efficiency Ratio

65.57%

Rank 232 of 328

Equity / Assets

9.42%

Rank 226 of 328

Non-interest income vs. expense

$0.3M$23.3MINCOMEEXPENSE
Unfavorable gap of $23.0M · efficiency ratio beats 30% of banks $1B-$10B in assets
Bank 65.57%Peer median 59.6%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.66%0.91%1.22%1.52%Beats 12%288 / 328
Return on Equity7.04%8.43%11.45%14.43%Beats 16%276 / 328
Net Interest Margin3.06%3.03%3.45%3.83%Beats 26%243 / 328
Efficiency Ratio65.57%51.61%59.56%67.53%Beats 30%232 / 328
Asset Quality
Nonperforming Loans / Loans0.39%0.24%0.51%1.03%Beats 63%121 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio11.34%11.75%13.15%15.47%Beats 19%265 / 328
Total Risk-Based Capital Ratio12.44%12.63%14.15%16.46%Beats 23%251 / 328
Equity / Assets9.42%9.15%10.33%12.01%Beats 31%226 / 328
Liquidity & Funding
Loans / Deposits97.91%76.63%87.92%95.36%81st pctl61 / 323
Loans / Assets83.10%65.18%74.15%79.98%85th pctl48 / 328
Brokered Deposits / Depositsn/aNot reported for this institution