Trustar Bank
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Data as of · sourced from FFIEC call reports. How we update
Trustar Bank is an FDIC-insured commercial bank headquartered in Great Falls, VA, established in 2019 (FDIC certificate 59183), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.14B, up 11.6% from Q2 2025, the 26th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 11.34% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59183
- Headquarters
- Great Falls, VA
- Established
- 2019
- Total assets, Q2 2026
- $1.14B
- Assets vs Q2 2025
- +11.6%
- CET1 ratio, Q2 2026
- 11.34%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 056009686
- Holding company
- TRUSTAR BANKSHARES, INC.
- Asset rank in state
- 26th of 56 in Virginia
Problem loans are rising at Trustar Bank. Based in Great Falls, Virginia, it had $1.1 billion in assets at June 30, 2026, up 11.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.39% of loans from 0.03% a year earlier. It pays an average of 3.02% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 4.2 times its capital, about double the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.0 million, 123% above the same quarter a year earlier. Over the same year, loans grew 17.2% and deposits grew 13.0%. Profitability lags: it earns about $0.70 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, Trustar Bank reported a CET1 capital ratio of 11.34%, a return on assets of 0.70%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 3.15%. The figures come from its call report filed with the FFIEC.
Trustar Bank ranks as the 26th largest of the 56 banks based in Virginia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.9% to $1.14B, loans rose 3.8% and deposits fell 2.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 32.7% of total loans, ahead of 1-4 family residential loans at 24.2%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities across 3 states; its Great Falls office books 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, Trustar Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 748 Walker Rd, Great Falls, VA 22066
- County
- Fairfax
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 8, 2019
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $970.4M
- Allowance for credit losses
- $10.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.15B
- Average total loans
- $932.3M
- Average interest-bearing deposits
- $847.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 8, 2019
- FDIC Cert
- 59183
- Fed RSSD
- 5349218
- SEC CIK
- 2156967 → filed by TRUSTAR BANKSHARES, INC.
- Website
- www.trustarbank.com →
- Parent Holding Company
- TRUSTAR BANKSHARES, INC. (RSSD 6075420)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Trustar Bank's total assets ranged from $729.4M (Q3 2023) to $1.19B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.14B total assets against $1.02B; $1.04B total liabilities against $924.0M.
$940.0M net loans and leases against $802.9M; $970.4M total deposits against $858.5M.
$128.4M securities against $106.8M; $54.1M cash and balances due against $94.5M.
$16.9M total interest income against $14.8M; $7.8M total interest expense against $7.7M.
$9.1M net interest income against $7.1M.
$77K total noninterest income against $137K; $5.9M total noninterest expense against $5.4M.
$657K provision for credit losses against $601K.
$2.0M net income against $897K.
0.70% return on assets against 0.36%; 3.17% net interest margin against 2.84%.
11.34% CET1 capital ratio against 12.45%; 9.38% tier 1 leverage ratio against 10.04%.
Inside the full Trustar Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Trustar Bank rankings
Its closest position to the top of a national ranking is 205 of 980, for uninsured deposits; its furthest is 1,885 of 2,134, for CET1 ratio.
Metric pages for Trustar Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 0.70% (Q4 2025) and its net interest margin ran from 2.48% (Q3 2024) to 3.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 0.70% | 0.39% | 3.15% | 3.17% |
| Q1 2026 | 11.47% | 0.62% | 0.88% | 7.00% | 2.98% |
| Q4 2025 | 11.51% | 0.70% | 0.49% | 3.87% | 3.11% |
| Q3 2025 | 11.98% | 0.57% | 0.03% | 0.24% | 2.99% |
| Q2 2025 | 12.45% | 0.36% | 0.03% | 0.25% | 2.84% |
| Q1 2025 | 12.97% | 0.42% | 0.03% | 0.25% | 2.77% |
| Q4 2024 | 11.00% | 0.33% | 0.04% | 0.30% | 2.54% |
| Q3 2024 | 11.73% | 0.11% | 0.00% | 0.00% | 2.48% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Trustar Bank (main office) | Great Falls , VA | 22066 | $714.4M |
| Tysons Branch | Mclean , VA | 22102 | $88.9M |
| Bethesda Branch | Bethesda , MD | 20814 | $74.5M |
| Reston Branch | Reston , VA | 20190 | $67.3M |
| Washington, D.C. Branch | Washington , DC | 20006 | $13.9M |
| Arlington Branch | Arlington , VA | 22201 | $11.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in VA, rank 36 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 62 applications, 57 loans originated, $61.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Trustar Bank
What are Trustar Bank's total assets?
As of the Q2 2026 filing, Trustar Bank reported total assets of $1.14 billion in its FFIEC call report.
Where is Trustar Bank headquartered?
It is headquartered in Great Falls, VA, United States.
When was Trustar Bank founded?
It was established in 2019, per the FDIC institution directory.
Is Trustar Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trustar Bank?
Trustar Bank's primary federal regulator is the FDIC.
What is Trustar Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does Trustar Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trustar Bank's Texas Ratio?
Its Texas Ratio is 3.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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