Rockpointbank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rockpointbank, N.A. of Chattanooga, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.21% | 1.35% | -1.14% | 7th bottom |
| ROAE | 1.73% | 12.06% | -10.33% | 7th bottom |
| Net Interest Margin | 3.23% | 3.90% | -0.67% | 17th bottom |
| Efficiency Ratio | 75.37% | 63.14% | +12.23% | 19th bottom |
| PPNR / Avg Assets | 0.80% | 1.64% | -0.84% | 15th bottom |
| Yield on Earning Assets | 5.66% | 5.65% | +0.01% | 53rd above |
| Cost of Funds | 2.61% | 1.85% | +0.76% | 12th bottom |
| Net Interest Spread | 2.55% | 3.35% | -0.80% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.92% | -0.71% | 63rd above |
| NPA / Total Assets | 0.25% | 0.67% | -0.42% | 55th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 470.17% | 1645.64% | -1175.47% | 70th above |
| Texas Ratio | 2.06% | 7.15% | -5.09% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.83% | 20.83% | -7.00% | 37th below |
| Tier 1 Ratio | 13.83% | 20.87% | -7.04% | 37th below |
| Total Capital Ratio | 14.89% | 21.94% | -7.05% | 37th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.13% | 12.46% | -0.33% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.54% | 11.67% | -0.13% | 66th above |
| TCE / Tangible Assets | 11.54% | 11.40% | +0.14% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.06% | 78.64% | +14.42% | 22nd bottom |
| Core Deposit Ratio | 78.05% | 87.10% | -9.05% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.37% | 6.47% | +12.90% | 94th top |
| Loan Growth (Y/Y) | 18.84% | 7.64% | +11.20% | 91st top |
| Deposit Growth (Y/Y) | 24.42% | 6.02% | +18.40% | 96th top |
See Rockpointbank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rockpointbank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Rockpointbank, N.A. profile, how to read a UBPR, or how this data updates.