BlastPoint's Banking Scorecard
Trustar Bank
Community
Specialty: Commercial
VA
FDIC cert 59183
Great Falls, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Trustar Bank faces 1 concern 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 0.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+26.5% YoY
+12.7% QoQ
|
-$199.9M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$891.0M
+18.2% YoY
+5.0% QoQ
|
-$84.5M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$1.0B
+28.4% YoY
+14.9% QoQ
|
-$144.7M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.51%
+112.5% YoY
+13.6% QoQ
|
-0.65% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.95%
+16.5% YoY
+1.2% QoQ
|
-0.72% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
70.72%
-12.9% YoY
-3.5% QoQ
|
+8.08% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? | 0.49% | -0.13% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
87.36%
-8.0% YoY
-8.6% QoQ
|
+4.30% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
17.62%
+21.9% YoY
+34.7% QoQ
|
-3.42% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? | 0.37% | -0.13% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.50%
+4.5% YoY
-3.9% QoQ
|
+1.25% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.03%
-20.5% YoY
+16.8% QoQ
|
-0.71% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
64
64th pctile
Total Loans
Current: $891.0M · Tier avg: $975.5M
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.36% · Tier avg: 83.06%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.50% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.62% · Tier avg: 21.05%
25
25th pctile
Efficiency Ratio
Current: 70.72% · Tier avg: 62.63%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
12
12th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
12
12th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
25
25th pctile
Efficiency Ratio
Current: 70.72% · Tier avg: 62.63%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.62% · Tier avg: 21.05%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.50% · Tier avg: 10.24%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.36% · Tier avg: 83.06%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
64
64th pctile
Total Loans
Current: $891.0M · Tier avg: $975.5M