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
Unfavorable gap of $8.1M · efficiency ratio beats 30% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.60% | 1.01% | 1.45% | Beats 14% | 544 / 629 | | |
| Return on Equity | 2.69% | 5.38% | 9.30% | 13.28% | Beats 15% | 537 / 629 | | |
| Net Interest Margin | 2.97% | 3.03% | 3.54% | 4.05% | Beats 23% | 485 / 629 | | |
| Efficiency Ratio | 76.81% | 58.35% | 67.79% | 79.08% | Beats 30% | 444 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.46% | 1.20% | Beats 71% | 169 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.83% | 11.24% | 13.84% | 18.77% | Beats 50% | 317 / 629 | | |
| Total Risk-Based Capital Ratio | 14.89% | 11.58% | 14.43% | 19.66% | Beats 53% | 297 / 629 | | |
| Equity / Assets | 11.54% | 9.09% | 10.65% | 13.80% | Beats 59% | 257 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.06% | 67.24% | 80.90% | 93.48% | 74th pctl | 153 / 594 | | |
| Loans / Assets | 81.27% | 53.31% | 67.71% | 78.15% | 84th pctl | 102 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |