Vanguard National Trust Company, N.A.: 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 Securities to assets: 13.69 percentage points lower than in Q1 2026, at 50.45%. Vanguard National Trust Company, N.A.'s return on assets of 3.33% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.08 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 146.81% |
| Tier 1 risk-based capital ratio | 146.85% |
| Total risk-based capital ratio | 146.85% |
| Tier 1 leverage ratio | 47.63% |
| Equity capital to assets | 45.83% |
| Tangible equity to tangible assets | 45.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.33% |
| Return on equity | 7.05% |
| Net interest margin | 3.64% |
| Efficiency ratio | 97.40% |
| Yield on earning assets | 3.64% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 50.45% |
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 | 208.52% | 208.57% | 208.57% | 69.44% | 1.49% |
| Q4 2023 | 188.49% | 188.54% | 188.54% | 69.89% | 8.66% |
| Q1 2024 | 176.81% | 176.85% | 176.85% | 52.63% | 2.99% |
| Q2 2024 | 168.90% | 168.94% | 168.94% | 57.57% | 2.75% |
| Q3 2024 | 199.69% | 199.74% | 199.74% | 60.20% | 3.66% |
| Q4 2024 | 190.24% | 190.29% | 190.29% | 59.54% | 3.62% |
| Q1 2025 | 184.43% | 184.47% | 184.47% | 45.25% | 3.32% |
| Q2 2025 | 182.35% | 182.40% | 182.40% | 54.04% | 3.37% |
| Q3 2025 | 170.83% | 170.88% | 170.88% | 58.97% | 3.29% |
| Q4 2025 | 157.12% | 157.16% | 157.16% | 57.49% | 3.00% |
| Q1 2026 | 154.11% | 154.15% | 154.15% | 42.16% | 3.05% |
| Q2 2026 | 146.81% | 146.85% | 146.85% | 47.63% | 3.33% |
Vanguard National Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vanguard National Trust Company, N.A., 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 Vanguard National Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3045383)