Vanguard National Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Vanguard National Trust Company, N.A. is an FDIC-insured bank headquartered in Malvern, PA. At Q2 2026 it reported total assets of $196.6M, up 24.5% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Malvern, PA
- Established
- Not reported
- Total assets, Q2 2026
- $196.6M
- Assets vs Q2 2025
- +24.5%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 031918721
- Latest call report
- Q2 2026, FFIEC 051 · Vanguard National Trust Company, N.A. call report
Vanguard National Trust Company, N.A. is one of the more profitable banks of its size. It reported $197 million in assets at June 30, 2026, up 24.5% from a year earlier. It earns about $3.33 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it spends about 97 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 19% from a year earlier, to $1.6 million.
As of June 30, 2026, Vanguard National Trust Company, N.A. reported a CET1 capital ratio of 146.81%, a return on assets of 3.33% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets fell 20.5% to $196.6M. Judged on its Q2 2026 call report, Vanguard National Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Employees (FTE)
- 632
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $189.1M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 3045383
Profitability
Q2 annualizedAsset Quality
Capital & 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
Over the 12 quarters to Q2 2026, Vanguard National Trust Company, N.A.'s total assets ran between $119.8M (Q3 2023) and $247.2M (Q1 2026), 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
$196.6M total assets against $157.9M; $106.5M total liabilities against $73.3M.
$0 net loans and leases against $0; $0 total deposits against $0.
$99.2M securities against $94.0M; $44.3M cash and balances due against $21.2M.
$882K total interest income against $993K; $0 total interest expense against $0.
$882K net interest income against $993K.
$78.4M total noninterest income against $63.6M; $77.2M total noninterest expense against $62.8M.
No provision recorded in the last 12 quarters.
$1.6M net income against $1.3M.
3.33% return on assets against 3.37%; 3.64% net interest margin against 4.15%.
146.81% CET1 capital ratio against 182.35%; 47.63% tier 1 leverage ratio against 54.04%.
Inside the full Vanguard National Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 3.00% (Q4 2025) to 3.66% (Q3 2024) and its net interest margin ran from 3.55% (Q1 2026) to 5.19% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 146.81% | 3.33% | — | 0.00% | 3.64% |
| Q1 2026 | 154.11% | 3.05% | — | 0.00% | 3.55% |
| Q4 2025 | 157.12% | 3.00% | — | 0.00% | 4.13% |
| Q3 2025 | 170.83% | 3.29% | — | 0.00% | 4.11% |
| Q2 2025 | 182.35% | 3.37% | — | 0.00% | 4.15% |
| Q1 2025 | 184.43% | 3.32% | — | 0.00% | 4.17% |
| Q4 2024 | 190.24% | 3.62% | — | 0.00% | 4.72% |
| Q3 2024 | 199.69% | 3.66% | — | 0.00% | 5.19% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), 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 Vanguard National Trust Company, N.A.
What are Vanguard National Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Vanguard National Trust Company, N.A. reported total assets of $196.6 million in its FFIEC call report.
Where is Vanguard National Trust Company, N.A. headquartered?
It is headquartered in Malvern, PA, United States.
What is Vanguard National Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 146.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Vanguard National Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% 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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