Rockpointbank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 246.41 percentage points in Q2 2026, from 716.57% to 470.17%. It was the largest change from Q1 2026 among the key lines here. Rockpointbank, N.A. has the 5th lowest return on assets of the 109 banks headquartered in Tennessee, at 0.21% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Rockpointbank, N.A. reported 0.21% on return on assets in Q2 2026, 1.04 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.83% |
| Tier 1 risk-based capital ratio | 13.83% |
| Total risk-based capital ratio | 14.89% |
| Tier 1 leverage ratio | 12.13% |
| Equity capital to assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.06% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 470.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.21% |
| Return on equity | 1.73% |
| Net interest margin | 3.23% |
| Efficiency ratio | 75.37% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.06% |
| Core deposits to total deposits | 78.05% |
| Brokered deposits to total deposits | 14.70% |
| Deposits to assets | 87.33% |
| Securities to assets | 7.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.00% | 21.00% | 22.02% | 18.81% | -0.59% |
| Q4 2023 | 19.71% | 19.71% | 20.72% | 17.45% | -1.26% |
| Q1 2024 | 18.40% | 18.40% | 19.36% | 16.10% | -0.20% |
| Q2 2024 | 16.80% | 16.80% | 17.79% | 14.50% | -0.09% |
| Q3 2024 | 16.31% | 16.31% | 17.31% | 13.28% | 0.39% |
| Q4 2024 | 16.26% | 16.26% | 17.23% | 13.00% | 0.65% |
| Q1 2025 | 16.02% | 16.02% | 17.00% | 13.04% | 0.34% |
| Q2 2025 | 15.40% | 15.40% | 16.39% | 13.02% | 0.37% |
| Q3 2025 | 14.77% | 14.77% | 15.77% | 12.58% | 0.41% |
| Q4 2025 | 14.85% | 14.85% | 15.84% | 12.62% | 3.50% |
| Q1 2026 | 14.89% | 14.89% | 15.89% | 12.62% | 0.47% |
| Q2 2026 | 13.83% | 13.83% | 14.89% | 12.13% | 0.21% |
Rockpointbank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockpointbank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)