Rockpointbank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Rockpointbank, N.A. is an FDIC-insured commercial bank headquartered in Chattanooga, TN, established in 2021 (FDIC certificate 59206), and it is supervised by the OCC. At Q2 2026 it reported total assets of $384.5M, up 19.4% from Q2 2025, the 64th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 59206
- Headquarters
- Chattanooga, TN
- Established
- 2021
- Total assets, Q2 2026
- $384.5M
- Assets vs Q2 2025
- +19.4%
- CET1 ratio, Q2 2026
- 13.83%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061309520
- Latest call report
- Q2 2026, FFIEC 051 · Rockpointbank, N.A. call report
- Holding company
- CHOO CHOO BANCSHARES, INC.
- Asset rank in state
- 64th of 109 in Tennessee
Rockpointbank, N.A. spends more to run itself than most banks of its size. Based in Chattanooga, Tennessee, it had $384 million in assets at June 30, 2026, up 19.4% from a year earlier. It earns about $0.21 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 18.8% over the year, 3.4 times the median of 5.5% for banks its size.
Earnings fell sharply: quarterly net income of $192,000 was 33% below a year earlier. Over the same year, loans grew 18.8% and deposits grew 24.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Rockpointbank, N.A. reported a CET1 capital ratio of 13.83%, a return on assets of 0.21%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.54%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Rockpointbank, N.A. is the 64th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 10.1% to $384.5M, loans rose 8.5% and deposits rose 10.8%. 1-4 family residential loans made up 38.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 25.8%. Its one office in the FDIC Summary of Deposits is in Chattanooga, TN. On its Q2 2026 call report, Rockpointbank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Chestnut St, Chattanooga, TN 37402
- County
- Hamilton
- Metro Area
- Chattanooga, TN-GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 15, 2021
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $335.8M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $361.2M
- Average total loans
- $297.9M
- Average interest-bearing deposits
- $264.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 15, 2021
- FDIC Cert
- 59206
- Fed RSSD
- 5574430
- Website
- www.rockpoint.bank →
- Parent Holding Company
- CHOO CHOO BANCSHARES, INC. (RSSD 6124207)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Rockpointbank, N.A.'s total assets ranged from $216.3M (Q3 2023) to $384.5M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$384.5M total assets against $322.1M; $340.1M total liabilities against $282.4M.
$309.4M net loans and leases against $260.5M; $335.8M total deposits against $269.9M.
$30.4M securities against $35.6M; $25.0M cash and balances due against $13.2M.
$4.8M total interest income against $4.3M; $2.1M total interest expense against $2.1M.
$2.8M net interest income against $2.2M.
$181K total noninterest income against $99K; $2.2M total noninterest expense against $1.8M.
$452K provision for credit losses against $139K.
$192K net income against $288K.
0.21% return on assets against 0.37%; 3.23% net interest margin against 2.93%.
13.83% CET1 capital ratio against 15.40%; 12.13% tier 1 leverage ratio against 13.02%.
Inside the full Rockpointbank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Rockpointbank, N.A. rankings
Its closest position to the top of a national ranking is 2,114 of 4,196, for total assets; its furthest is 3,445 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q2 2026) to 3.50% (Q4 2025) and its net interest margin ran from 2.43% (Q3 2024) to 3.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.83% | 0.21% | 0.13% | 1.54% | 3.23% |
| Q1 2026 | 14.89% | 0.47% | 0.13% | 0.77% | 3.18% |
| Q4 2025 | 14.85% | 3.50% | 0.11% | 0.69% | 3.10% |
| Q3 2025 | 14.77% | 0.41% | 0.00% | 0.00% | 3.08% |
| Q2 2025 | 15.40% | 0.37% | 0.00% | 0.00% | 2.93% |
| Q1 2025 | 16.02% | 0.34% | 0.00% | 0.00% | 2.84% |
| Q4 2024 | 16.26% | 0.65% | 0.00% | 0.00% | 2.71% |
| Q3 2024 | 16.31% | 0.39% | 0.00% | 0.00% | 2.43% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rockpointbank, N.A. (main office) | Chattanooga , TN | 37402 | $335.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 86 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Rockpointbank, N.A.
What are Rockpointbank, N.A.'s total assets?
As of the Q2 2026 filing, Rockpointbank, N.A. reported total assets of $384.5 million in its FFIEC call report.
Where is Rockpointbank, N.A. headquartered?
It is headquartered in Chattanooga, TN, United States.
When was Rockpointbank, N.A. founded?
It was established in 2021, per the FDIC institution directory.
Is Rockpointbank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rockpointbank, N.A.?
Rockpointbank, N.A.'s primary federal regulator is the OCC.
What is Rockpointbank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Rockpointbank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rockpointbank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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