BlastPoint's Banking Scorecard
RockPointBank, National Association
Micro
Specialty: Commercial
TN
FDIC cert 59206
Designations: ✓ Community bank
Chattanooga, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
RockPointBank, National Association shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$344.5M
+12.3% YoY
+2.2% QoQ
|
+$127.0M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$280.2M
+15.4% YoY
+0.7% QoQ
|
+$141.0M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$287.6M
+12.4% YoY
+1.4% QoQ
|
+$103.9M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.19%
+431.0% YoY
+220.7% QoQ
|
+0.11% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
2.96%
+20.0% YoY
+2.0% QoQ
|
-0.90% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
78.59%
-7.5% YoY
-2.1% QoQ
|
+10.86% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? | 0.11% | -0.53% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
97.44%
+2.6% YoY
-0.6% QoQ
|
+22.91% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.98%
+0.1% YoY
-9.1% QoQ
|
-9.41% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? | 0.09% | -0.36% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
14.85%
-8.7% YoY
+0.6% QoQ
|
+6.00% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.13%
-20.3% YoY
+45.3% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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%
Top Strengths
89
89th pctile
Total Loans
Current: $280.2M · Tier avg: $139.2M
80
80th pctile
Total Assets
Current: $344.5M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $287.6M · Tier avg: $183.7M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.85% · Tier avg: 8.85%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.59% · Tier avg: 67.73%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.98% · Tier avg: 22.39%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.44% · Tier avg: 74.53%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.44% · Tier avg: 74.53%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.98% · Tier avg: 22.39%
22
22th pctile
Efficiency Ratio
Current: 78.59% · Tier avg: 67.73%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.85% · Tier avg: 8.85%
79
79th pctile
Total Deposits
Current: $287.6M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $344.5M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $280.2M · Tier avg: $139.2M