ROCKPOINTBANK, NATIONAL ASSOCIATION

CHATTANOOGA, TN | Small | Est. March 15, 2021, midnight | FDIC #59206 | RSSD #5574430 | OCC
Latest Report: 2025-12-31

ROCKPOINTBANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in CHATTANOOGA, TN, established in March 15, 2021, midnight. As of 2025-12-31, the bank reported total assets of $345M and total deposits of $288M. Profitability stands at 3.50% ROA and 28.32% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 14.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59206.

Assets

$345M

Deposits

$288M

Loans

$283M

Equity

$44M

Profitability

Return on Assets (ROA) 3.50%
Return on Equity (ROE) 28.32%
Net Interest Margin (NIM) 3.22%
Yield on Assets 6.02%
Cost of Funds 2.97%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 14.85%
Tier 1 Capital 14.85%
Total Capital Ratio 15.84%
Leverage Ratio 12.62%
Loan-to-Deposit 98.33%

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