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Trupoint Bank

Grundy, VA · Cert 21883 · Miners&Merchants Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Trupoint Bank

Grundy, VA · Cert 21883 · Miners&Merchants Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$690.8MAssets
$466.7MLoans
$593.7MDeposits
$64.2MEquity
Loan mix
67%RE $312.5M17%C&I $80.9M16%Consumer $73.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $424.5M29%Noninterest $169.3MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.53%Q2 ’254.92%Q2 ’26+18%+16%

Non-interest income vs. expense

2.92%Q2 ’243.22%Q2 ’253.15%Q2 ’26+18%-3%

Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 4.0% share · #10 of 24 inst. · $0.2B of $5.9B

36.6% Buchanan
12.1% Hawkins
4.6% Tazewell
6.6% Russell

Executive Summary

  • Earnings: ROA of 1.12%, up 58 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.02% of loans (-2 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 10.60%, down 214 bps from a year ago.
  • Funding: loans stand at 78.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+58 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+54 bps YoY

Efficiency Ratio (YTD, annualized)

68.11%-1,411 bps YoY

Tier 1 Leverage Ratio

10.60%-214 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.50%0.62%1.00%1.12%+58 bps
Return on Equity5.55%5.28%6.62%11.01%12.24%+669 bps
Net Interest Margin3.28%3.37%2.71%3.72%3.82%+54 bps
Efficiency Ratio82.22%83.34%80.54%72.48%68.11%-1,411 bps
Non-Interest Burden2.58%2.70%2.06%2.64%2.50%-8 bps
Growth
Asset Growth (YoY)-7.04%-7.37%36.22%39.32%41.21%+4,825 bps
Loan Growth (YoY)-7.76%-2.29%35.05%45.82%50.55%+5,832 bps
Deposit Growth (YoY)-8.55%-5.13%35.59%39.87%42.16%+5,071 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.05%0.31%0.04%0.02%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.22%-0.11%-11 bps
Allowance / Loans1.06%1.09%1.28%1.20%1.19%+13 bps
Allowance Coverage of NPLs27.2x21.2x4.2x32.9x64.5x+37.3x
Capital
Tier 1 Leverage Ratio12.74%10.22%10.20%10.22%10.60%-214 bps
Total Risk-Based Capital12.74%10.22%10.20%10.22%10.60%-214 bps
Equity / Assets10.41%8.13%9.06%9.11%9.29%-112 bps
Liquidity & Funding
Loans / Deposits74.22%74.31%73.04%76.88%78.60%+438 bps
Liquid Assets / Assets5.56%2.91%10.91%7.30%5.43%-14 bps
CRE / Total Capitaln/a274%277%286%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Trupoint Bank

Grundy, VA · Cert 21883 · Peer group: banks under $1B in assets (n=581-629) · Miners&Merchants Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$690.8MAssets
$466.7MLoans
$593.7MDeposits
$64.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets (rank 93 of 581).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets (rank 535 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.13%

Rank 266 of 629

Net Interest Margin

3.82%

Rank 221 of 629

Efficiency Ratio

70.77%

Rank 364 of 629

Equity / Assets

9.29%

Rank 449 of 629

Non-interest income vs. expense

$4.5M$21.8MINCOMEEXPENSE
Unfavorable gap of $17.3M · efficiency ratio beats 42% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.60%1.01%1.45%Beats 58%266 / 629
Return on Equity12.16%5.38%9.30%13.28%Beats 68%199 / 629
Net Interest Margin3.82%3.03%3.54%4.05%Beats 65%221 / 629
Efficiency Ratio70.77%58.35%67.79%79.08%Beats 42%364 / 629
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.46%1.20%Beats 84%93 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 34%384 / 581
Capital
Tier 1 Capital Ratio10.60%11.24%13.84%18.77%Beats 17%521 / 629
Total Risk-Based Capital Ratio10.60%11.58%14.43%19.66%Beats 15%535 / 629
Equity / Assets9.29%9.09%10.65%13.80%Beats 29%449 / 629
Liquidity & Funding
Loans / Deposits78.60%67.24%80.90%93.48%47th pctl317 / 594
Loans / Assets67.56%53.31%67.71%78.15%49th pctl319 / 629
Brokered Deposits / Depositsn/aNot reported for this institution