BlastPoint's Banking Scorecard
RockPointBank, National Association
Chattanooga, TN
RockPointBank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.5% in tier
- - ROA 0.80% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 12.97% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$349.3M
+9.5% YoY
+1.4% QoQ
|
-$36.8M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$285.5M
+13.7% YoY
+1.9% QoQ
|
+$29.8M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$303.1M
+13.4% YoY
+5.4% QoQ
|
-$24.9M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.47%
+36.5% YoY
-60.9% QoQ
|
-0.80% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.4% in tier |
| Net Interest Margin ? |
3.15%
+12.5% YoY
+6.5% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
78.26%
-5.4% YoY
-0.4% QoQ
|
+12.97% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.13%
+10.7% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
94.19%
+0.3% YoY
-3.3% QoQ
|
+17.56% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
14.32%
-1.9% YoY
+10.3% QoQ
|
-7.70% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.10%
+11.2% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
14.89%
-7.0% YoY
+0.3% QoQ
|
-0.94% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.04%
+44.1% YoY
-66.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (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.