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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.39%	0.45%	0.51%	0.61%	0.65%	+26 bps
Return on Equity	4.06%	4.73%	5.47%	6.78%	7.14%	+308 bps
Net Interest Margin	2.72%	2.72%	2.70%	2.96%	3.06%	+33 bps
Efficiency Ratio	76.64%	73.30%	70.72%	67.06%	65.57%	-1,108 bps
Non-Interest Burden	2.08%	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 / Loans	0.03%	0.03%	0.49%	0.88%	0.39%	+36 bps
Net Charge-Offs / Loans	0.03%	0.02%	0.02%	0.00%	0.00%	-3 bps
Allowance / Loans	1.00%	1.01%	1.02%	1.03%	1.06%	+6 bps
Allowance Coverage of NPLs	30.2x	32.2x	2.1x	1.2x	2.7x	-27.5x
Capital
Tier 1 Leverage Ratio	10.03%	9.73%	9.35%	9.17%	9.38%	-64 bps
Total Risk-Based Capital	13.48%	13.02%	12.56%	12.54%	12.44%	-105 bps
Equity / Assets	9.84%	9.74%	8.78%	9.11%	9.42%	-42 bps
Liquidity & Funding
Loans / Deposits	94.46%	96.59%	88.26%	92.18%	97.91%	+345 bps
Liquid Assets / Assets	12.54%	9.26%	14.58%	11.77%	7.35%	-518 bps
CRE / Total Capital	n/a	506%	518%	533%	n/a	n/a