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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

5.81%Q2 ’245.89%Q2 ’255.85%Q2 ’26+15%+12%

Non-interest income vs. expense

2.05%Q2 ’242.15%Q2 ’252.04%Q2 ’26+4%-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 0.69%, up 34 bps year over year; NIM at 3.15%.
  • 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 (quarter, annualized)

0.69%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.15%+33 bps YoY

Efficiency Ratio (quarter, annualized)

64.16%-1,070 bps YoY

Tier 1 Leverage Ratio

9.38%-64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.58%0.69%0.61%0.69%+34 bps
Return on Equity3.58%5.91%7.50%6.78%7.49%+392 bps
Net Interest Margin2.81%2.96%3.08%2.96%3.15%+33 bps
Efficiency Ratio74.85%67.39%64.23%67.06%64.16%-1,070 bps
Non-Interest Burden2.09%1.98%1.97%1.97%2.01%-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 / Loans0.07%0.00%0.00%0.00%0.00%-7 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