Bank Safety Analysis
Is Vanguard National Trust Company, N.A. Safe?
Vanguard National Trust Company, N.A. shows stress on 1 of 4 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 7.30 percentage points lower than in Q1 2026, at 146.81%. Vanguard National Trust Company, N.A.'s CET1 ratio of 146.81% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 131.74 points (Q2 2026). From Q3 2023 to Q2 2026, Vanguard National Trust Company, N.A.'s CET1 ratio ranged between 146.81% (Q2 2026) and 208.52% (Q3 2023) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Vanguard National Trust Company, N.A.'s CET1 ratio from 182.35% to 146.81%, Texas ratio from 0.00% to 0.00%, return on assets from 3.37% to 3.33% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,603 banks) · Industry averages as of Q2 2026.
CET1 of 146.81% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 47.63% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 97.4% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 146.81% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 146.81% |
| Q1 2026 | 154.11% |
| Q4 2025 | 157.12% |
| Q3 2025 | 170.83% |
| Q2 2025 | 182.35% |
| Q1 2025 | 184.43% |
| Q4 2024 | 190.24% |
| Q3 2024 | 199.69% |
| Q2 2024 | 168.90% |
| Q1 2024 | 176.81% |
| Q4 2023 | 188.49% |
| Q3 2023 | 208.52% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Vanguard National Trust Company, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 146.81% | — | 0.00% | 3.33% |
| Mar 31, 2026 | 154.11% | — | 0.00% | 3.05% |
| Dec 31, 2025 | 157.12% | — | 0.00% | 3.00% |
| Sep 30, 2025 | 170.83% | — | 0.00% | 3.29% |
| Jun 30, 2025 | 182.35% | — | 0.00% | 3.37% |
| Mar 31, 2025 | 184.43% | — | 0.00% | 3.32% |
| Dec 31, 2024 | 190.24% | — | 0.00% | 3.62% |
| Sep 30, 2024 | 199.69% | — | 0.00% | 3.66% |
| Jun 30, 2024 | 168.90% | — | 0.00% | 2.75% |
| Mar 31, 2024 | 176.81% | — | 0.00% | 2.99% |
| Dec 31, 2023 | 188.49% | — | 0.00% | 8.66% |
| Sep 30, 2023 | 208.52% | — | 0.00% | 1.49% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Vanguard National Trust Company, N.A. well capitalized?
Yes. Vanguard National Trust Company, N.A. reports a CET1 Ratio of 146.81%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is Vanguard National Trust Company, N.A.'s Texas Ratio?
Vanguard National Trust Company, N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 3045383)
Explore: Full Vanguard National Trust Company, N.A. profile · Other banks in PA · Metric glossary · How the call report works