TruPoint Bank is a state-chartered bank (fed member) headquartered in Grundy, Virginia, in business for about 51 years. At the end of Q2 2026 it reported $690.8M in total assets and $593.7M in deposits, with 16 offices across 3 states.
Based on its Q2 2026 filing, TruPoint Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 16th. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is capital cushion (56/100; 10.60%).
TellerScore · Q2 2026
Scorecard
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 2 points (79 → 77), mostly because the earnings component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 75 |
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 79 |
| Q3 2025 | 71 |
| Q4 2025 | 70 |
| Q1 2026 | 75 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.65% |
| Q3 2024 | 11.91% |
| Q4 2024 | 12.39% |
| Q1 2025 | 12.48% |
| Q2 2025 | 12.74% |
| Q3 2025 | 10.22% |
| Q4 2025 | 10.20% |
| Q1 2026 | 10.22% |
| Q2 2026 | 10.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.62% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $690.8M | 10.60% | 0.02% | 1.12% | 77.7% |
| Q1 2026 | 75 | $703.5M | 10.22% | 0.04% | 1.00% | 76.0% |
| Q4 2025 | 70 | $696.3M | 10.20% | 0.31% | 0.62% | 72.1% |
| Q3 2025 | 71 | $469.4M | 10.22% | 0.05% | 0.50% | 73.5% |
| Q2 2025 | 79 | $489.2M | 12.74% | 0.04% | 0.54% | 73.4% |
| Q1 2025 | 79 | $505.0M | 12.48% | 0.03% | 0.63% | 73.0% |
| Q4 2024 | 80 | $511.1M | 12.39% | 0.01% | 0.70% | 72.6% |
| Q3 2024 | 75 | $506.8M | 11.91% | 0.23% | 0.50% | 71.4% |
| Q2 2024 | 73 | $526.2M | 11.65% | 0.24% | 0.44% | 72.8% |
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).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of Southside VirginiaBank Carson, VA | 97 out of 100, Very strong | $670.3M | 23.4% | 0.08% | vs |
| The Bank of MarionBank Marion, VA | 71 out of 100, Strong | $634.1M | 11.4% | 1.12% | vs |
| Citizens Bank and Trust CompanyBank Blackstone, VA | 97 out of 100, Very strong | $577.6M | 15.4% | 0.23% | vs |
| Select BankBank Forest, VA | 59 out of 100, Moderate | $524.4M | 9.5% | 1.06% | vs |
| Powell Valley National BankBank Jonesville, VA | 78 out of 100, Strong | $516.5M | 10.7% | 0.21% | vs |
| Bank of BotetourtBank Buchanan, VA | 79 out of 100, Strong | $939.4M | 11.0% | 0.25% | vs |
Deposit insurance
Is my money safe at TruPoint Bank?
Yes. TruPoint Bank is an FDIC-insured institution (FDIC certificate #21883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.1% of deposits ($101.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
16 locations
Branches
TruPoint Bank lists 16 offices in 13 cities across 3 states. Most locations:
- Abingdon, VA (2)
- Grundy, VA (2)
- Rogersville, TN (2)
- Asheville, NC (1)
- Bristol, VA (1)
- Church Hill, TN (1)
- Johnson City, TN (1)
- Kingsport, TN (1)
- Lebanon, VA (1)
- Oakwood, VA (1)
- Pounding Mill, VA (1)
- Richlands, VA (1)
HMDA 2025
Mortgage lending
In 2025, TruPoint Bank reported 110 home-loan applications under HMDA (LEI 549300TELLWSMYL9RE90): 81 originated ($20,045,000 total), 20 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.0%, 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
- TruPoint Bank
- Former names
- Miner's and Merchant's Bank and Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 21883
- RSSD ID
- 274829
- Primary regulator
- FED
- Holding company
- Miners&merchants Bcorp Inc
- Established
- January 2, 1975
- Headquarters
- 20089 Riverside Dr, Grundy, VA 24614
- Website
- www.trupointbank.com
- Employees
- 146
Quick answers
TruPoint Bank: common questions
Is TruPoint Bank FDIC insured?
Yes. TruPoint Bank is an FDIC-insured institution (FDIC certificate #21883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is TruPoint Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has TruPoint Bank ever failed?
There is no failure record for FDIC certificate #21883 in the FDIC failed bank list.
How many branches does TruPoint Bank have?
16 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Grundy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Pioneer Community Bank, Inc.Bank Iaeger, WV | 79 out of 100, Strong | $191.1M | 13.6% | 0.29% | vs |
| New Peoples Bank, Inc.Bank Honaker, VA | 76 out of 100, Strong | $942.5M | 11.2% | 0.45% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| The Bank of MarionBank Marion, VA | 71 out of 100, Strong | $634.1M | 11.4% | 1.12% | vs |