BlastPoint's Banking Scorecard

TruPoint Bank

Community Specialty: Commercial VA FDIC cert 21883

Grundy, VA

1484 banks in Community tier nationally 32 in VA

View Community leaderboard (VA) →

TruPoint Bank faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$696.1M +36.2% YoY +48.3% QoQ	-$695.3M	$1.4B +2.0% YoY	$17.5B +24.6% YoY	$5.9B +6.5% YoY	27%
Total Loans ?	$435.1M +34.7% YoY +42.9% QoQ	-$540.4M	$975.5M +2.4% YoY	$10.7B +28.4% YoY	$3.1B +8.5% YoY	20%
Total Deposits ?	$603.4M +35.6% YoY +45.6% QoQ	-$561.2M	$1.2B +1.7% YoY	$13.8B +21.4% YoY	$4.7B +6.3% YoY	28%
Return on Assets ?	0.61% -12.6% YoY +23.9% QoQ	-0.55%	1.16% +17.2% YoY	0.94% +24.9% YoY	1.12% +15.6% YoY	16%
Net Interest Margin ?	3.74% +22.2% YoY +3.9% QoQ	+0.08%	3.66% +9.1% YoY	3.66% +9.0% YoY	3.75% +7.1% YoY	57%
Efficiency Ratio ?	80.54% +3.2% YoY -3.4% QoQ	+17.90%	62.63% -5.3% YoY	66.70% -6.7% YoY	65.09% -5.1% YoY	Bottom 10% in tier
Delinquency Rate ?	0.31% +494.7% QoQ	-0.32%	0.63% +18.3% YoY	0.75% +37.7% YoY	0.66% +20.3% YoY	60%
Loan-to-Deposit Ratio ?	72.10% -0.7% YoY -1.9% QoQ	-10.96%	83.06% +0.3% YoY	79.98% +0.8% YoY	78.04% +0.7% YoY	77%
Non-Interest-Bearing Deposit Share ?	26.76% -6.3% YoY -9.2% QoQ	+5.71%	21.05% -0.9% YoY	24.23% +0.2% YoY	21.79% -1.3% YoY	75%
Nonperforming Asset Ratio ?	0.19% +55.5% YoY +473.0% QoQ	-0.30%	0.50% +20.3% YoY	0.53% +39.4% YoY	0.48% +20.8% YoY	66%
Tier 1 Capital Ratio ?	0.00%	-10.24%	10.24% -0.6% YoY	11.48% +7.9% YoY	9.75% -1.9% YoY	29%
Non-Interest Income / Assets ?	0.53% -42.2% YoY -0.2% QoQ	-0.21%	0.74% -1.3% YoY	0.64% -0.2% YoY	0.65% +0.6% YoY	52%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Efficiency Drag

risk

#15 of 152 · Bottom 9% in Community

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.54%

(Tier: 62.63%, National: 65.09%)

worse than tier avg

152 of 152 Community banks match · 163 nationally

→ Stable -9 banks QoQ

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Loan-to-Deposit Ratio

Current: 72.10% · Tier avg: 83.06%

77th pctile

Non-Interest-Bearing Deposit Share

Current: 26.76% · Tier avg: 21.05%

75th pctile

Nonperforming Asset Ratio

Current: 0.19% · Tier avg: 0.50%

66th pctile

Delinquency Rate

Current: 0.31% · Tier avg: 0.63%

60th pctile

Net Interest Margin

Current: 3.74% · Tier avg: 3.66%

57th pctile

Non-Interest Income / Assets

Current: 0.53% · Tier avg: 0.74%

52th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 10.24%

29th pctile

Total Deposits

Current: $603.4M · Tier avg: $1.2B

28th pctile

Total Assets

Current: $696.1M · Tier avg: $1.4B

27th pctile

Total Loans

Current: $435.1M · Tier avg: $975.5M

20th pctile

Return on Assets

Current: 0.61% · Tier avg: 1.16%

16th pctile

Efficiency Ratio

Current: 80.54% · Tier avg: 62.63%

10th pctile

Top Weaknesses