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Rockpointbank, National Association
Chattanooga, TN · FDIC Certificate #59206 · Chartered 03/1
Total assets
$384.49M
Total deposits
$335.76M
Total equity
$44.36M
Net loans
$309.38M
Branches (offices)
1
Net income (YTD)
$596.00K
Rank: #2,123 of 4,213 U.S. banks by assets · #64 of 109 in Tennessee. Assets changed 19.4% and deposits 24.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.33% |
| Return on equity | 2.70% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 11.54% |
| Tier 1 leverage ratio | 12.13% |
| Uninsured deposits (share of deposits) | 36.6% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 92.1% |
| Real estate loans (share of loans) | 88.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $272.94M | 88.2% | |
| Commercial & industrial | $36.34M | 11.7% | |
| Consumer / individual | $1.98M | 0.6% | |
| Construction & development | $38.50M | 12.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.93M | $108.44M | -$1.64M | $23.48M |
| Jun 2023 | $196.62M | $164.26M | -$1.55M | $26.91M |
| Jun 2024 | $284.07M | $233.91M | -$183.00K | $37.47M |
| Jun 2025 | $322.10M | $269.87M | $555.00K | $39.67M |
| Jun 2026 | $384.49M | $335.76M | $596.00K | $44.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $335.76M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $335.76M.
Similar-sized banks
Pinnacle Bank ($384.53M) · First Farmbank ($384.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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