PackageTrendsPeer
Letter portraitLegal landscape

Rockpointbank, National Association

Chattanooga, TN · Cert 59206

National charter · OCC · 1 branch

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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

30

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

Rockpointbank, National Association

Chattanooga, TN · Cert 59206

National charter · OCC · 1 branch

Q2 2026

$384.5MAssets
$312.5MLoans
$335.8MDeposits
$44.4MEquity
Loan mix
88%RE $255.0M11%C&I $31.1M1%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $273.4M19%Noninterest $62.3MQ2 2025Q2 2026

NIM

4.90%Q2 ’245.43%Q2 ’255.22%Q2 ’26+37%+9%

Non-interest income vs. expense

2.09%Q2 ’242.33%Q2 ’252.42%Q2 ’26+16%+1%

Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 2.1% share · #12 of 30 inst. · $0.3B of $15.8B

Executive Summary

  • Earnings: ROA of 0.33%, down 2 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.13%, down 88 bps from a year ago.
  • Funding: loans stand at 93.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+24 bps YoY

Efficiency Ratio (YTD, annualized)

76.81%-476 bps YoY

Tier 1 Leverage Ratio

12.13%-88 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.37%1.19%0.47%0.33%-2 bps
Return on Equity2.85%3.03%9.63%3.67%2.70%-14 bps
Net Interest Margin2.73%2.72%2.71%3.02%2.97%+24 bps
Efficiency Ratio81.57%80.26%78.59%78.26%76.81%-476 bps
Non-Interest Burden2.21%2.16%2.10%2.31%2.23%+2 bps
Growth
Asset Growth (YoY)13.39%13.30%12.27%9.54%19.37%+598 bps
Loan Growth (YoY)14.40%17.00%15.42%13.68%18.84%+444 bps
Deposit Growth (YoY)15.37%15.30%12.44%13.40%24.42%+905 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.11%0.13%0.13%+13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.92%0.91%0.90%0.99%+7 bps
Allowance Coverage of NPLsn/an/a8.0x7.2x7.6xn/a
Capital
Tier 1 Leverage Ratio13.02%12.58%12.62%12.62%12.13%-88 bps
Total Risk-Based Capital16.39%15.77%15.84%15.89%14.89%-150 bps
Equity / Assets12.32%12.01%12.72%12.65%11.54%-78 bps
Liquidity & Funding
Loans / Deposits97.43%98.95%98.33%95.05%93.06%-437 bps
Liquid Assets / Assets3.93%3.33%3.50%3.92%5.81%+188 bps
CRE / Total Capitaln/a335%314%318%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

Rockpointbank, National Association

Chattanooga, TN · Cert 59206 · Peer group: banks under $1B in assets (n=581-629)

National charter · OCC · 1 branch

Q2 2026

$384.5MAssets
$312.5MLoans
$335.8MDeposits
$44.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on assets trails 86% of banks under $1B in assets (rank 544 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.31%

Rank 544 of 629

Net Interest Margin

2.97%

Rank 485 of 629

Efficiency Ratio

76.81%

Rank 444 of 629

Equity / Assets

11.54%

Rank 257 of 629

Non-interest income vs. expense

$0.7M$8.7MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 30% of banks under $1B in assets
Bank 76.81%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.31%0.60%1.01%1.45%Beats 14%544 / 629
Return on Equity2.69%5.38%9.30%13.28%Beats 15%537 / 629
Net Interest Margin2.97%3.03%3.54%4.05%Beats 23%485 / 629
Efficiency Ratio76.81%58.35%67.79%79.08%Beats 30%444 / 629
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.46%1.20%Beats 71%169 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.83%11.24%13.84%18.77%Beats 50%317 / 629
Total Risk-Based Capital Ratio14.89%11.58%14.43%19.66%Beats 53%297 / 629
Equity / Assets11.54%9.09%10.65%13.80%Beats 59%257 / 629
Liquidity & Funding
Loans / Deposits93.06%67.24%80.90%93.48%74th pctl153 / 594
Loans / Assets81.27%53.31%67.71%78.15%84th pctl102 / 629
Brokered Deposits / Depositsn/aNot reported for this institution