BlastPoint's Banking Scorecard
TruPoint Bank
Grundy, VA
16 branches across VA · TN · NC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
- Deposits +42.2% year over year ($593.7M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.12%.
- Efficiency ratio 68.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TruPoint Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency Ratio 3.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$690.8M
+41.2% YoY
-1.8% QoQ
|
+$304.2M |
$386.6M
+1.2% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Top 12.9% in tier |
| Total Loans ? |
$461.1M
+50.4% YoY
-0.1% QoQ
|
+$202.8M |
$258.3M
+1.7% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
Top 14.6% in tier |
| Total Deposits ? |
$593.7M
+42.2% YoY
-2.3% QoQ
|
+$267.0M |
$326.7M
+0.7% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
Top 12.7% in tier |
| Return on Assets ? |
1.12%
+106.5% YoY
+12.1% QoQ
|
-0.20% |
1.32%
+10.8% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.12%
+16.8% YoY
+2.3% QoQ
|
+0.14% |
3.99%
+5.0% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
68.11%
-17.2% YoY
-6.0% QoQ
|
+3.63% |
64.48%
-3.2% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.02%
-52.7% YoY
-49.4% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
77.67%
+5.8% YoY
+2.2% QoQ
|
-0.29% |
77.95%
+1.0% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
28.51%
-4.7% YoY
+6.6% QoQ
|
+6.48% |
22.03%
-0.6% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.01%
-49.7% YoY
-48.5% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
Top 14.3% in tier |
| Tier 1 Capital Ratio ? |
10.60%
-16.8% YoY
+3.7% QoQ
|
-5.31% |
15.91%
+1.4% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.33%
-0.3% YoY
+132.1% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
77% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.5%
-1.4pp YoY +1.8pp QoQ |
+6.4pp | 22.1% | 26.2% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.3%
-6.8pp YoY -0.2pp QoQ |
+5.8pp | 11.6% | 11.0% | 12.5% | 83% |
| CRE |
45.2%
+2.6pp YoY +1.1pp QoQ |
+5.7pp | 39.5% | 46.9% | 41.4% | 62% |
| 1-4 Family |
22.9%
+8.5pp YoY -0.7pp QoQ |
-9.7pp | 32.6% | 32.6% | 31.3% | 36% |
| Consumer |
15.6%
-4.4pp YoY -0.3pp QoQ |
+11.5pp | 4.1% | 8.0% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.2% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-2.1pp YoY +0.4pp QoQ |
-1.6pp | 12.2% | 12.2% | 12.6% | 43% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
146
+26 (+21.7%) YoY 0 QoQ |
+87 | 58 | 1,956 | 482 | 97% |
| Assets per Employee ($) |
$4.7M
+16.1% YoY -1.8% QoQ |
-$2.8M | $7.5M | $9.9M | $8.8M | 11% |
| Branch Count |
16
+4 (+33.3%) YoY 0 QoQ |
+11 | 4 | 28 | 18 | 99% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.2% | 0.4% | 2% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 5% |
| Allowance Coverage |
64.47x
+137.0% YoY +96.2% QoQ |
+40.31x | 24.15x | 9.47x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.3pp | 0.1% | 0.2% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+6.7pp YoY +1.2pp QoQ |
0.0pp | 12.2% | 12.0% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.7% | 1.7% | 20% |
| Net Income ($, YTD) |
$3.9M
+186.8% YoY — QoQ |
+$1.3M | $2.6M | $137.1M | $40.4M | 80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.