Great Falls, VA · Cert 59183 · Trustar Bankshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.3% share · #26 of 71 inst. · $1.0B of $301.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.33% | 0.42% | 0.35% | 0.58% | 0.69% | 0.61% | 0.69% | +34 bps | |
| Return on Equity | 1.32% | 3.77% | 4.46% | 3.58% | 5.91% | 7.50% | 6.78% | 7.49% | +392 bps | |
| Net Interest Margin | 2.45% | 2.55% | 2.75% | 2.81% | 2.96% | 3.08% | 2.96% | 3.15% | +33 bps | |
| Efficiency Ratio | 79.23% | 80.00% | 78.57% | 74.85% | 67.39% | 64.23% | 67.06% | 64.16% | -1,070 bps | |
| Non-Interest Burden | 1.93% | 2.04% | 2.15% | 2.09% | 1.98% | 1.97% | 1.97% | 2.01% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.11% | 17.24% | 22.86% | 23.04% | 15.86% | 26.51% | 16.86% | 11.56% | -1,148 bps | |
| Loan Growth (YoY) | 29.46% | 25.47% | 20.21% | 22.62% | 16.22% | 18.23% | 18.83% | 17.15% | -547 bps | |
| Deposit Growth (YoY) | 31.80% | 22.59% | 24.19% | 23.86% | 16.03% | 28.43% | 19.40% | 13.03% | -1,083 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.04% | 0.03% | 0.03% | 0.03% | 0.49% | 0.88% | 0.39% | +36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.01% | 1.02% | 1.03% | 1.06% | +6 bps | |
| Allowance Coverage of NPLs | n/a | 28.4x | 28.7x | 30.2x | 32.2x | 2.1x | 1.2x | 2.7x | -27.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 8.80% | 10.35% | 10.03% | 9.73% | 9.35% | 9.17% | 9.38% | -64 bps | |
| Total Risk-Based Capital | 12.84% | 12.06% | 13.99% | 13.48% | 13.02% | 12.56% | 12.54% | 12.44% | -105 bps | |
| Equity / Assets | 8.90% | 8.64% | 10.00% | 9.84% | 9.74% | 8.78% | 9.11% | 9.42% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.43% | 95.88% | 92.62% | 94.46% | 96.59% | 88.26% | 92.18% | 97.91% | +345 bps | |
| Liquid Assets / Assets | 13.25% | 14.14% | 17.08% | 12.54% | 9.26% | 14.58% | 11.77% | 7.35% | -518 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 506% | 518% | 533% | n/a | n/a | |