TellerScore

Trustar Bank is a state-chartered bank headquartered in Great Falls, Virginia, in business for about 7 years. At the end of Q2 2026 it reported $1.1B in total assets and $970.4M in deposits, with 6 offices across 3 states.

Based on its Q2 2026 filing, Trustar Bank scores 58/100, which we describe as moderate. That is higher than only 17% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 49th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is funding & liquidity (31/100; 97% loans-to-deposits, 44% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.38%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.39%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 96.9% · 44.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (63 → 58), mostly because the loan quality component weakened by 12 points.

TellerScore
535964Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202457
Q1 202564
Q2 202563
Q3 202562
Q4 202557
Q1 202653
Q2 202658
Tier 1 leverage ratio
5.00%7.68%10.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.15%
Q3 20248.99%
Q4 20248.80%
Q1 202510.37%
Q2 202510.04%
Q3 20259.74%
Q4 20259.35%
Q1 20269.17%
Q2 20269.38%
Noncurrent loans
0.00%0.44%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.04%
Q1 20250.03%
Q2 20250.03%
Q3 20250.03%
Q4 20250.49%
Q1 20260.88%
Q2 20260.39%
Return on assets
0.21%0.43%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.21%
Q4 20240.24%
Q1 20250.42%
Q2 20250.39%
Q3 20250.45%
Q4 20250.51%
Q1 20260.61%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$1.1B9.38%0.39%0.65%96.9%
Q1 202653$1.2B9.17%0.88%0.61%91.2%
Q4 202557$1.2B9.35%0.49%0.51%87.4%
Q3 202562$1.1B9.74%0.03%0.45%95.6%
Q2 202563$1.0B10.04%0.03%0.39%93.5%
Q1 202564$997.4M10.37%0.03%0.42%91.7%
Q4 202457$941.8M8.80%0.04%0.24%94.9%
Q3 202459$912.5M8.99%0.00%0.21%95.5%
Q2 202458$833.0M9.15%0.00%0.26%94.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.38%
21st
Total risk-based capital12.44%
36th
Problem loans0.39%
61st
Net charge-offs0.00%
82nd
Return on assets0.65%
13th
Net interest margin3.08%
18th
Efficiency ratio65.6%
30th
Loans to deposits96.9%
21st
Uninsured deposits44.1%
19th
Loan-loss reserves1.06%
39th
Texas ratio3.2%
55th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
First National BankBank Altavista, VA73 out of 100, Strong$1.1B8.8%0.19%vs
The Freedom Bank of VirginiaBank Fairfax, VA40 out of 100, Below average$1.0B11.1%3.26%vs
Bank of the JamesBank Lynchburg, VA69 out of 100, Moderate$1.0B9.4%0.16%vs
Skyline National BankBank Independence, VA66 out of 100, Moderate$1.3B8.8%0.34%vs
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs

Deposit insurance

Is my money safe at Trustar Bank?

Yes. Trustar Bank is an FDIC-insured institution (FDIC certificate #59183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.1% of deposits ($428.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.44% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Trustar Bank lists 6 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Trustar Bank reported 62 home-loan applications under HMDA (LEI 549300DKUE4BMFY15Y36): 57 originated ($61,635,000 total), 0 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Trustar Bank
Type
State-chartered bank
FDIC certificate #
59183
RSSD ID
5349218
Primary regulator
FDIC
Holding company
Trustar Bankshares Inc
Established
July 8, 2019
Headquarters
748 Walker Rd, Great Falls, VA 22066
Employees
66

Quick answers

Trustar Bank: common questions

Is Trustar Bank FDIC insured?

Yes. Trustar Bank is an FDIC-insured institution (FDIC certificate #59183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Trustar Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Trustar Bank ever failed?

There is no failure record for FDIC certificate #59183 in the FDIC failed bank list.

How many branches does Trustar Bank have?

6 offices as of the latest FDIC data, in 3 states.

Nearby

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