BlastPoint's Banking Scorecard
TruPoint Bank
Grundy, VA
16 branches across VA · TN · NC
TruPoint Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13.1% in tier
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.0% in tier
- - ROA 0.27% below tier average
- - Efficiency Ratio 7.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$703.5M
+39.3% YoY
+1.0% QoQ
|
+$317.4M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
Top 12.4% in tier |
| Total Loans ? |
$461.4M
+45.6% YoY
+6.1% QoQ
|
+$205.7M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
Top 14.6% in tier |
| Total Deposits ? |
$607.5M
+39.9% YoY
+0.7% QoQ
|
+$279.5M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
Top 11.9% in tier |
| Return on Assets ? |
1.00%
+58.7% YoY
+62.3% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.03%
+16.6% YoY
+7.6% QoQ
|
+0.10% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
72.48%
-7.5% YoY
-10.0% QoQ
|
+7.20% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.04%
+34.2% YoY
-88.1% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
75.96%
+4.1% YoY
+5.4% QoQ
|
-0.68% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
26.74%
-8.7% YoY
-0.1% QoQ
|
+4.72% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.02%
-82.1% YoY
-87.5% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
10.22%
-18.1% YoY
+0.2% QoQ
|
-5.61% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.3% in tier |
| Non-Interest Income / Assets ? |
0.14%
-21.4% YoY
-73.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
71% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.