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

Unfavorable gap of $17.3M · efficiency ratio beats 42% of banks under $1B in assets

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.13%	0.60%	1.01%	1.45%	Beats 58%	266 / 629	n/a
Return on Equity	12.16%	5.38%	9.30%	13.28%	Beats 68%	199 / 629	n/a
Net Interest Margin	3.82%	3.03%	3.54%	4.05%	Beats 65%	221 / 629	n/a
Efficiency Ratio	70.77%	58.35%	67.79%	79.08%	Beats 42%	364 / 629	n/a
Asset Quality
Nonperforming Loans / Loans	0.02%	0.09%	0.46%	1.20%	Beats 84%	93 / 581	n/a
Net Charge-Offs / Loans	0.03%	n/a	0.01%	0.06%	Beats 34%	384 / 581	n/a
Capital
Tier 1 Capital Ratio	10.60%	11.24%	13.84%	18.77%	Beats 17%	521 / 629	n/a
Total Risk-Based Capital Ratio	10.60%	11.58%	14.43%	19.66%	Beats 15%	535 / 629	n/a
Equity / Assets	9.29%	9.09%	10.65%	13.80%	Beats 29%	449 / 629	n/a
Liquidity & Funding
Loans / Deposits	78.60%	67.24%	80.90%	93.48%	47th pctl	317 / 594	n/a
Loans / Assets	67.56%	53.31%	67.71%	78.15%	49th pctl	319 / 629	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution