BlastPoint's Banking Scorecard
Trustar Bank
Designations: ✓ Community bank
Great Falls, VA
6 branches across VA · DC · MD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
- Deposits +13.0% year over year ($970.4M on the books).
- Delinquency rate 0.40%.
- Return on assets 0.65%.
- Efficiency ratio 65.57% vs a 59.73% peer average.
- Loan-to-deposit ratio 96.87% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Trustar Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier average
- - ROA 0.74% below tier average
- - Net Interest Margin 0.79% below tier average
- - Efficiency Ratio 5.84% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+11.6% YoY
-1.9% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.3% in tier |
| Total Loans ? |
$940.0M
+17.1% YoY
+3.8% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$970.4M
+13.0% YoY
-2.3% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.2% in tier |
| Return on Assets ? |
0.65%
+68.3% YoY
+7.1% QoQ
|
-0.74% |
1.39%
+17.0% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.8% in tier |
| Net Interest Margin ? |
3.08%
+8.5% YoY
+4.1% QoQ
|
-0.79% |
3.87%
+6.2% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
65.57%
-14.5% YoY
-2.2% QoQ
|
+5.84% |
59.73%
-12.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.40%
-55.8% QoQ
|
-0.47% |
0.87%
+11.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
96.87%
+3.6% YoY
+6.2% QoQ
|
+11.83% |
85.04%
-0.1% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
13.69%
+6.2% YoY
+7.8% QoQ
|
-7.58% |
21.27%
-1.5% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.33%
-53.2% QoQ
|
-0.35% |
0.67%
+11.7% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
11.34%
-9.0% YoY
-1.2% QoQ
|
-3.50% |
14.84%
-0.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.01%
-32.2% YoY
+111.0% QoQ
|
-0.51% |
0.53%
+2.5% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.7%
+0.8pp YoY +1.0pp QoQ |
-7.7pp | 21.4% | 26.2% | 22.2% | 22% |
| Brokered Deposits |
4.4%
-1.1pp YoY -2.3pp QoQ |
-5.1pp | 9.5% | 8.5% | 8.5% | 45% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.2%
+0.6pp YoY -0.6pp QoQ |
-0.8pp | 14.0% | 11.0% | 12.5% | 60% |
| CRE |
63.0%
+2.0pp YoY +0.7pp QoQ |
+13.0pp | 50.0% | 46.9% | 41.4% | 80% |
| 1-4 Family |
24.5%
-2.5pp YoY -0.2pp QoQ |
-1.9pp | 26.4% | 32.6% | 31.3% | 54% |
| Consumer |
0.2%
0.0pp YoY +0.1pp QoQ |
-4.6pp | 4.7% | 8.0% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.3%
-1.1pp YoY -0.1pp QoQ |
-4.3pp | 15.6% | 17.2% | 19.7% | 14% |
| Leverage Ratio |
9.4%
-0.7pp YoY +0.2pp QoQ |
-1.9pp | 11.3% | 12.2% | 12.6% | 20% |
| Total Capital Ratio |
12.4%
-1.1pp YoY -0.1pp QoQ |
-4.3pp | 16.7% | 18.3% | 20.8% | 15% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
+3 (+4.8%) YoY +3 (+4.8%) QoQ |
-248 | 313 | 1,956 | 482 | 2% |
| Assets per Employee ($) |
$17.3M
+6.5% YoY -6.4% QoQ |
+$6.8M | $10.5M | $9.9M | $8.8M | 93% |
| Branch Count |
6
-1 (-14.3%) YoY 0 QoQ |
-14 | 20 | 28 | 18 | 14% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.4pp YoY -0.5pp QoQ |
-0.4pp | 0.8% | 0.7% | 1.0% | 39% |
| Allowance Coverage |
2.72x
-91.0% YoY +133.0% QoQ |
-15.99x | 18.71x | 9.47x | 20.23x | 60% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.1%
+3.1pp YoY +0.4pp QoQ |
-5.5pp | 12.6% | 12.0% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.7%
-0.4pp YoY 0.0pp QoQ |
+0.8pp | 1.9% | 1.7% | 1.7% | 90% |
| Net Income ($, YTD) |
$3.8M
+98.8% YoY — QoQ |
-$15.5M | $19.2M | $137.1M | $40.4M | 7% |
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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.