TellerScore

RockPointBank, National Association (FDIC certificate #59206) is based in Chattanooga, Tennessee. Its Q2 2026 call report shows $384.5M in total assets and $335.8M in deposits and 1 office.

Based on its Q2 2026 filing, RockPointBank, National Association scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 65th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is earnings (33/100; 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.13%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 92.1% · 36.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (71 → 68), mostly because the capital cushion component weakened by 9 points.

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202470
Q4 202470
Q1 202571
Q2 202571
Q3 202570
Q4 202576
Q1 202671
Q2 202668
Tier 1 leverage ratio
5.00%9.75%14.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.50%
Q3 202413.28%
Q4 202413.00%
Q1 202513.04%
Q2 202513.01%
Q3 202512.58%
Q4 202512.62%
Q1 202612.62%
Q2 202612.13%
Noncurrent loans
0.00%0.07%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.11%
Q1 20260.13%
Q2 20260.13%
Return on assets
-0.14%0.52%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.14%
Q3 20240.06%
Q4 20240.22%
Q1 20250.34%
Q2 20250.35%
Q3 20250.37%
Q4 20251.19%
Q1 20260.47%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$384.5M12.13%0.13%0.33%92.1%
Q1 202671$349.3M12.62%0.13%0.47%94.2%
Q4 202576$344.5M12.62%0.11%1.19%97.4%
Q3 202570$337.0M12.58%0.00%0.37%98.0%
Q2 202571$322.1M13.01%0.00%0.35%96.5%
Q1 202571$318.9M13.04%0.00%0.34%93.9%
Q4 202470$306.9M13.00%0.00%0.22%94.9%
Q3 202470$297.5M13.28%0.00%0.06%96.6%
Q2 202472$284.1M14.50%0.00%-0.14%97.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.13%
66th
Total risk-based capital14.89%
67th
Problem loans0.13%
71st
Net charge-offs0.00%
68th
Return on assets0.33%
8th
Net interest margin3.15%
14th
Efficiency ratio76.8%
18th
Loans to deposits92.1%
22nd
Uninsured deposits36.6%
15th
Loan-loss reserves0.99%
25th
Texas ratio1.5%
63rd

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN80 out of 100, Strong$386.0M11.9%0.00%vs
Tower Community BankBank Jasper, TN70 out of 100, Strong$375.4M10.4%0.43%vs
Volunteer Federal Savings BankBank Madisonville, TN75 out of 100, Strong$397.1M11.2%0.34%vs
The First National Bank of OneidaBank Oneida, TN82 out of 100, Strong$367.8M11.0%0.27%vs
Community BankBank Lexington, TN64 out of 100, Moderate$357.5M10.6%0.71%vs
Bank of FrankewingBank Frankewing, TN41 out of 100, Below average$413.1M11.3%6.25%vs

Deposit insurance

Is my money safe at RockPointBank, National Association?

Yes. RockPointBank, National Association is an FDIC-insured institution (FDIC certificate #59206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.6% of deposits ($122.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.89% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

RockPointBank, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, RockPointBank, National Association reported 58 home-loan applications under HMDA (LEI 254900AHEC0ZH6MGNX19): 45 originated ($34,435,000 total), 2 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
RockPointBank, National Association
Former names
RockPoint Bank, National Association
Type
National bank
FDIC certificate #
59206
RSSD ID
5574430
Primary regulator
OCC
Established
March 15, 2021
Headquarters
401 Chestnut St, Chattanooga, TN 37402
Employees
38

Quick answers

RockPointBank, National Association: common questions

Is RockPointBank, National Association FDIC insured?

Yes. RockPointBank, National Association is an FDIC-insured institution (FDIC certificate #59206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is RockPointBank, National Association's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has RockPointBank, National Association ever failed?

There is no failure record for FDIC certificate #59206 in the FDIC failed bank list.

How many branches does RockPointBank, National Association have?

1 office as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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