Rockpointbank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 25.17 percentage points in Q2 2026, from 248.28% to 273.45%. It was the largest change from Q1 2026 among the key lines here. Rockpointbank, N.A. ranks 30th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 93.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Rockpointbank, N.A. sits 12.22 points higher, at 93.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $312.5M |
| Net loans and leases | $309.4M |
| Loans held for sale | $0 |
| Loans to total assets | 81.27% |
| Loan-to-deposit ratio | 93.06% |
| Net loans to equity capital | 6.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.07% |
| Multifamily (5+ residential) | 2.80% |
| Commercial and industrial | 11.62% |
| Consumer | 0.63% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.45% |
| Construction concentration (Tier 1 capital + allowance) | 82.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $167.3M | $171.6M | 48.10% | 14.38% | 0.27% |
| Q4 2023 | $186.7M | $184.4M | 45.52% | 12.95% | 0.24% |
| Q1 2024 | $204.2M | $207.6M | 44.30% | 12.82% | 0.25% |
| Q2 2024 | $229.9M | $233.9M | 40.85% | 12.44% | 0.47% |
| Q3 2024 | $240.0M | $246.1M | 39.20% | 11.85% | 0.42% |
| Q4 2024 | $245.0M | $255.8M | 39.20% | 10.39% | 0.83% |
| Q1 2025 | $253.4M | $267.3M | 37.98% | 12.30% | 1.00% |
| Q2 2025 | $262.9M | $269.9M | 38.10% | 12.48% | 0.78% |
| Q3 2025 | $280.8M | $283.7M | 37.57% | 10.97% | 0.99% |
| Q4 2025 | $282.8M | $287.6M | 35.16% | 11.55% | 0.83% |
| Q1 2026 | $288.1M | $303.1M | 34.91% | 10.80% | 0.74% |
| Q2 2026 | $312.5M | $335.8M | 34.07% | 11.62% | 0.63% |
Rockpointbank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockpointbank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Rockpointbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59206) · FFIEC NIC profile (RSSD 5574430)