Trustar Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 53.9% in Q2 2026, from $3.7M to $5.7M. It was the largest change from Q1 2026 among the key lines here. Trustar Bank has the 3rd lowest CET1 ratio of the 44 banks headquartered in Virginia, at 11.34% as of Q2 2026. Trustar Bank reported 11.34% on CET1 ratio for Q2 2026, 2.16 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.44% |
| Tier 1 leverage ratio | 9.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $108.2M |
| Tier 1 capital | $108.2M |
| Total risk-based capital | $118.7M |
| Total equity capital | $107.7M |
| Risk-weighted assets | $954.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.42% |
| Tangible equity to tangible assets | 9.42% |
| Equity capital to average assets | 9.34% |
| Internal capital growth rate | 7.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $48.6M |
| Common stock surplus | $53.9M |
| Retained earnings | $5.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$493K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.65% | 11.65% | 12.68% | 9.51% | $581.8M |
| Q4 2023 | 11.20% | 11.20% | 12.22% | 9.19% | $623.0M |
| Q1 2024 | 11.00% | 11.00% | 12.03% | 8.81% | $648.2M |
| Q2 2024 | 11.25% | 11.25% | 12.29% | 9.15% | $664.0M |
| Q3 2024 | 11.73% | 11.73% | 12.84% | 8.99% | $692.6M |
| Q4 2024 | 11.00% | 11.00% | 12.06% | 8.80% | $746.7M |
| Q1 2025 | 12.97% | 12.97% | 14.01% | 10.37% | $771.1M |
| Q2 2025 | 12.45% | 12.45% | 13.50% | 10.04% | $811.1M |
| Q3 2025 | 11.98% | 11.98% | 13.04% | 9.74% | $856.2M |
| Q4 2025 | 11.51% | 11.51% | 12.56% | 9.35% | $905.0M |
| Q1 2026 | 11.47% | 11.47% | 12.54% | 9.17% | $924.6M |
| Q2 2026 | 11.34% | 11.34% | 12.44% | 9.38% | $954.4M |
Trustar Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Trustar Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Trustar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59183) · FFIEC NIC profile (RSSD 5349218)