Trustar Bankshares, Inc. · OTC:TRSB
Trustar Bankshares — Investor Presentation (May 2026)
13 slides from Trustar Bankshares's investor presentation, May 19, 2026
Slide 1: Shareholder Presentation
SHAREHOLDER PRESENTATION May 19, 2026
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation includes forward-looking statements intended to qualify for the safe harbor from liability established by the Private Securities Litigation Reform Act of 1995. These forward-looking statements generally can be identified by phrases such as Trustar Banksha
Slide 3: 2025 Bank Accomplishments
2025 Bank Accomplishments • Reached asset milestone of $1,192 billion as of December • Continued strong growth in both loans and deposits • Successful capital raise in March 2025 • Formation of Trustar Bank Holding Company • Two new branch locations: Bethesda and Arlington • Satisfactory Safety and
Slide 4: Retail Footprint
RETAIL FOOTPRINT • Great Falls 748 Walker Road Great Falls, VA 22066 • Tysons 1650 Tysons Blvd., Ste. 1150 McLean, VA 22102 • Arlington 3101 Wilson Blvd., Suite 500 Arlington, VA • Reston 1817 Fountain Drive Reston, VA 20190 • Bethesda 7901 Norfolk Avenue Bethesda, MD 20814 • Washington DC – Penn Av
Slide 5: 2025 Financial Highlights (Consolidated)
2025 FINANCIAL HIGHLIGHTS (Consolidated) • Strong organic growth • Increased earnings • Expanding profitability margins • Increased shareholder return 4 Note: Financial data as of December 31, 2025, unaudited
Slide 6: Organic Growth
ORGANIC GROWTH TOTAL ASSETS ($ IN MILLIONS) GROSS LOANS ($ IN MILLIONS) TOTAL DEPOSITS ($ IN MILLIONS) TOTAL TANGIBLE EQUITY ($ IN MILLIONS) 5 Note: Financial data as of December 31, 2025, unaudited
Slide 7: Earnings Growth
EARNINGS GROWTH TOTAL REVENUE ($ IN THOUSANDS) NET INCOME ($ IN THOUSANDS) NET INTEREST MARGIN (%) EFFICIENCY RATIO (%)1 6 Note: Financial data as of December 31, 2025, unaudited (1) The efficiency ratio is calculated as total noninterest expense, excluding gain on debt extinguishment, divided by th
Slide 8: Key Performance Metrics
KEY PERFOMANCE METRICS ROAA (%) ROAE (%) EARNINGS PER SHARE ($) TANGIBLE BOOK VALUE ($) 7 Note: Financial data as of December 31, 2025, unaudited , unaudited
Slide 9: Composition Metrics
COMPOSITION METRICS TOTAL LOANS ($ IN MILLIONS) TOTAL DEPOSITS ($ IN MILLIONS) 8 Note: Financial data as of December 31, 2025, unaudited
Slide 10: 1st Quarter, 2026, Highlights
1ST QUARTER, 2026, HIGHLIGHTS • Total Assets of $1.17 billion, an increase of 17% year over year • Total Loans of $915.3 million, an increase of 19% year over year • Total deposits of $992.7 million, an increase of 19% year over year • Total equity of $106.6 million, an increase of 7% year over year
Slide 11: Looking Ahead
LOOKING AHEAD • Continued margin expansion • Strong credit quality • Retail footprint expansion • Focus on C&I and deposit acquisition • Recruit top talent • OTC listing application in process 10 Note: Financial data as of December 31, 2025
Slide 12: General Q & A Session
General Q & A Session YOUR PARTNER FOR FINANCIAL SUCCESS 11
Slide 13: Corporate Headquarters Company Contacts
Corporate Headquarters 1650 Tysons Blvd, Ste 1150 Mclean, VA 22102 www.trustarbank.com Company Contacts Joseph Bracewell Shaza Andersen Chairman of the Board Chief Executive Officer jbracewell@trustarbank.com sandersen@trustarbank.com YOUR PARTNER FOR FINANCIAL SUCCESS
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