BlastPoint's Banking Scorecard
Trustar Bank
Designations: ✓ Community bank
Great Falls, VA
7 branches across VA · MD · DC
Trustar Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.76% below tier average
- - Net Interest Margin 0.86% below tier average
- - Efficiency Ratio 6.00% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+16.9% YoY
-2.2% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.0% in tier |
| Total Loans ? |
$905.9M
+18.8% YoY
+1.7% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$993.0M
+19.4% YoY
-2.6% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.6% in tier |
| Return on Assets ? |
0.61%
+45.6% YoY
+18.0% QoQ
|
-0.76% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.7% in tier |
| Net Interest Margin ? |
2.96%
+5.7% YoY
+0.3% QoQ
|
-0.86% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
15% |
| Efficiency Ratio ? |
67.06%
-14.7% YoY
-5.2% QoQ
|
+6.00% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
0.89%
+81.0% QoQ
|
+0.01% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
91.22%
-0.5% YoY
+4.4% QoQ
|
+7.02% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
12.70%
-3.5% YoY
-27.9% QoQ
|
-8.59% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.69%
+88.2% QoQ
|
+0.02% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
11.47%
-11.5% YoY
-0.3% QoQ
|
-3.69% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.01%
+2.7% YoY
-79.2% QoQ
|
-0.25% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.