Trustar Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 42.48 percentage points higher than in Q1 2026, at 113.73%. Within Virginia, Trustar Bank is 43rd of 56 on return on assets, 0.70% as of Q2 2026. Trustar Bank reported 0.70% on return on assets for Q2 2026, 0.58 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.44% |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 9.42% |
| Tangible equity to tangible assets | 9.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.15% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 113.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.70% |
| Return on equity | 7.49% |
| Net interest margin | 3.17% |
| Efficiency ratio | 64.16% |
| Yield on earning assets | 5.89% |
| Cost of funds | 3.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.91% |
| Core deposits to total deposits | 85.45% |
| Brokered deposits to total deposits | 4.37% |
| Deposits to assets | 84.87% |
| Securities to assets | 11.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.65% | 11.65% | 12.68% | 9.51% | 0.18% |
| Q4 2023 | 11.20% | 11.20% | 12.22% | 9.19% | 0.29% |
| Q1 2024 | 11.00% | 11.00% | 12.03% | 8.81% | 0.26% |
| Q2 2024 | 11.25% | 11.25% | 12.29% | 9.15% | 0.26% |
| Q3 2024 | 11.73% | 11.73% | 12.84% | 8.99% | 0.11% |
| Q4 2024 | 11.00% | 11.00% | 12.06% | 8.80% | 0.33% |
| Q1 2025 | 12.97% | 12.97% | 14.01% | 10.37% | 0.42% |
| Q2 2025 | 12.45% | 12.45% | 13.50% | 10.04% | 0.36% |
| Q3 2025 | 11.98% | 11.98% | 13.04% | 9.74% | 0.57% |
| Q4 2025 | 11.51% | 11.51% | 12.56% | 9.35% | 0.70% |
| Q1 2026 | 11.47% | 11.47% | 12.54% | 9.17% | 0.62% |
| Q2 2026 | 11.34% | 11.34% | 12.44% | 9.38% | 0.70% |
Trustar Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trustar Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)