Trupoint Bank: 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.37 percentage points higher than in Q1 2026, at 62.22%. Trupoint Bank ranks 36th of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 78.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Trupoint Bank reported 78.60% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $466.7M |
| Net loans and leases | $461.1M |
| Loans held for sale | $0 |
| Loans to total assets | 67.56% |
| Loan-to-deposit ratio | 78.60% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.03% |
| Multifamily (5+ residential) | 5.16% |
| Commercial and industrial | 17.10% |
| Consumer | 15.40% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.88% |
| Construction concentration (Tier 1 capital + allowance) | 62.22% |
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 | 6.22% |
| Interest income on loans | $7.3M |
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 | $332.6M | $460.9M | 31.25% | 35.97% | 8.41% |
| Q4 2023 | $328.2M | $479.1M | 31.14% | 34.96% | 9.14% |
| Q1 2024 | $335.9M | $460.5M | 29.60% | 33.42% | 12.82% |
| Q2 2024 | $336.1M | $456.7M | 29.09% | 32.15% | 14.12% |
| Q3 2024 | $315.1M | $436.7M | 31.47% | 31.21% | 14.03% |
| Q4 2024 | $326.3M | $445.0M | 30.18% | 28.35% | 18.99% |
| Q1 2025 | $320.3M | $434.3M | 30.26% | 26.42% | 20.31% |
| Q2 2025 | $310.0M | $417.6M | 32.02% | 23.85% | 19.72% |
| Q3 2025 | $307.9M | $414.3M | 31.18% | 22.34% | 18.99% |
| Q4 2025 | $440.7M | $603.4M | 30.87% | 16.64% | 13.04% |
| Q1 2026 | $467.0M | $607.5M | 28.78% | 17.32% | 15.64% |
| Q2 2026 | $466.7M | $593.7M | 29.03% | 17.10% | 15.40% |
Trupoint Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Trupoint Bank, 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 Trupoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21883) · FFIEC NIC profile (RSSD 274829)