Trupoint Bank
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Data as of · sourced from FFIEC call reports. How we update
Trupoint Bank is an FDIC-insured commercial bank headquartered in Grundy, VA, established in 1975 (FDIC certificate 21883), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $690.8M, up 41.2% from Q2 2025, the 33rd largest of 56 banks headquartered in Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 21883
- Headquarters
- Grundy, VA
- Established
- 1975
- Total assets, Q2 2026
- $690.8M
- Assets vs Q2 2025
- +41.2%
- Tier 1 leverage ratio, Q2 2026
- 10.60%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 051403672
- Holding company
- MINERS AND MERCHANTS BANCORP, INC.
- Asset rank in state
- 33rd of 56 in Virginia
Trupoint Bank is growing quickly. Its balance sheet stood at $691 million at June 30, 2026, up 41.2% from a year earlier; it is based in Grundy, Virginia. It grew its loan book 50.6% over the year, 9.2 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 50.6% and deposits rose 42.2%. Paper losses on its bond portfolio are shrinking: unrealized losses of $15 million equal 20% of Tier 1 capital, down from 26% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Trupoint Bank reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Trupoint Bank is the 33rd largest of the 56 banks headquartered in Virginia. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $690.8M, loans fell 0.1% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 22.7% of total loans, followed by non-owner-occupied commercial real estate loans at 18.5%. Its 16 offices in the FDIC Summary of Deposits are in 13 cities across 3 states; its Grundy 2 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Trupoint Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 20089 Riverside Dr, Grundy, VA 24614
- County
- Buchanan
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1975
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 146
- Domestic deposits
- $593.7M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- -$260K
- Average total assets
- $692.5M
- Average total loans
- $470.9M
- Average interest-bearing deposits
- $446.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1975
- FDIC Cert
- 21883
- Fed RSSD
- 274829
- Website
- www.trupointbank.com →
- Parent Holding Company
- MINERS AND MERCHANTS BANCORP, INC. (RSSD 2227687)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Trupoint Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Trupoint Bank's total assets moved between a low of $469.4M (Q3 2025) and a high of $703.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$690.8M total assets against $489.2M; $626.6M total liabilities against $438.2M.
$461.1M net loans and leases against $306.7M; $593.7M total deposits against $417.6M.
$130.6M securities against $119.7M; $49.0M cash and balances due against $31.5M.
$8.5M total interest income against $5.7M; $1.9M total interest expense against $1.5M.
$6.7M net interest income against $4.1M.
$1.3M total noninterest income against $704K; $5.3M total noninterest expense against $4.2M.
-$59K provision for credit losses against -$8K.
$2.2M net income against $561K.
1.24% return on assets against 0.45%; 4.10% net interest margin against 3.39%.
10.60% tier 1 leverage ratio against 12.74%.
Inside the full Trupoint Bank 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.
Trupoint Bank rankings
Its closest position to the top of a national ranking is 1,374 of 4,196, for total assets; its furthest is 3,207 of 3,640, for Texas Ratio.
Banks merged into Trupoint Bank
- First Community Bank of East Tennessee, effective October 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.39% (Q3 2025) to 1.33% (Q4 2024) and its net interest margin ran from 2.90% (Q3 2024) to 4.10% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.60% | 1.24% | 0.02% | 0.13% | 4.10% |
| Q1 2026 | 10.22% | 1.00% | 0.04% | 0.26% | 3.90% |
| Q4 2025 | 10.20% | 0.85% | 0.31% | 2.09% | 3.79% |
| Q3 2025 | 10.22% | 0.39% | 0.05% | 0.38% | 3.50% |
| Q2 2025 | 12.74% | 0.45% | 0.04% | 0.22% | 3.39% |
| Q1 2025 | 12.48% | 0.63% | 0.03% | 1.29% | 3.28% |
| Q4 2024 | 12.39% | 1.33% | 0.01% | 1.27% | 3.15% |
| Q3 2024 | 11.91% | 0.61% | 0.23% | 1.36% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → 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 |
|---|---|---|---|
| First Community Bank of East Tennessee Branch | Rogersville , TN | 37857 | $96.5M |
| Trupoint Bank (main office) | Grundy , VA | 24614 | $72.4M |
| Walnut Street Branch | Grundy , VA | 24614 | $70.4M |
| Lebanon Branch | Lebanon , VA | 24266 | $45.5M |
| St. Paul Branch | Saint Paul , VA | 24283 | $42.2M |
| Richlands Branch | Richlands , VA | 24641 | $40.8M |
| Church Hill Branch | Church Hill , TN | 37642 | $38.8M |
| Oakwood Branch | Oakwood , VA | 24631 | $35.0M |
| East Main Street Branch | Rogersville , TN | 37857 | $28.0M |
| West Abingdon Branch | Abingdon , VA | 24210 | $23.1M |
| Bristol Branch | Bristol , VA | 24201 | $21.7M |
| Claypool Hill Branch | Pounding Mill , VA | 24637 | $19.3M |
| Johnson City Branch | Johnson City , TN | 37604 | $17.5M |
| Asheville Branch | Asheville , NC | 28801 | $16.2M |
| East Center Street Branch | Kingsport , TN | 37660 | $15.4M |
| East Abingdon Branch | Abingdon , VA | 24212 | $10.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2025 | Structure Change | Acquired First Community Bank of East Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in VA, rank 53 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 110 applications, 81 loans originated, $20.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $165K approved, $165K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Trupoint Bank
What are Trupoint Bank's total assets?
As of the Q2 2026 filing, Trupoint Bank reported total assets of $690.8 million in its FFIEC call report.
Where is Trupoint Bank headquartered?
It is headquartered in Grundy, VA, United States.
When was Trupoint Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Trupoint Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trupoint Bank?
Trupoint Bank's primary federal regulator is the Federal Reserve.
How many branches does Trupoint Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trupoint Bank's Texas Ratio?
Its Texas Ratio is 0.13% 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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