RockPointBank, National Association
Chattanooga, TN
IDRSSD: 5574430
Total Assets
$337.04M
Latest filing
Total Deposits
$283.75M
Latest filing
Net Interest Margin
3.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
RockPointBank, National Association
401 Chestnut St
Chattanooga, TN 37402
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/15/2021FDIC Certificate 618546
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| RockPointBank, National Association (Main) | 401 Chestnut St | Chattanooga, TN | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/15/2021 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37402 |
| State and County Number | 47065 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/23/2022 |
| Date of Deposit Insurance | 03/15/2021 |
| Primary Insurance Agency | DIF |
| Website | www.rockpoint.bank |
| Data Updated | 11/14/2025 |
| CERT | 59206 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $337.04M |
| Total Deposits | $283.75M |
| Total Liabilities | $296.57M |
| Total Equity Capital | $40.47M |
| Net Income | $339.00k |
| Net Loans and Leases | $278.18M |
| Assets Per Employee ($Millions) | $11.23M |
| Bank Premises and Fixed Assets | $1.97M |
| Cash and Balances due from Depository Institutions | $11.83M |
| Deposits Held in Domestic Offices | $283.75M |
Key Performance Ratios
| Return on Assets (ROA) | 0.41% |
| Return on Equity (ROE) | 3.38% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 77.93% |
| Tier 1 Risk-Based Capital Ratio | 14.766% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.006% |
| Earning Assets to total Assets | 96.07% |
Income and Expense
| Total Interest Income | $4.63M |
| Total Noninterest Income | $105.00k |
| Total Interest Expense | $2.23M |
| Total Noninterest Expense | $1.96M |
| Net Interest Income | $2.40M |
| Pre-tax Net Operating Income | $376.00k |
| Provision for Credit Losses | $178.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.83M |
| Total Liabilities and Capital | $337.04M |
Securities
| Securities | $34.41M |
| Available-for-sale debt securities | $34.41M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of RockPointBank, National Association?
$337.04M as of the latest filing.
How much are RockPointBank, National Association's total deposits?
$283.75M in total deposits.
Where is RockPointBank, National Association located?
Chattanooga, TN.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
1.
When was it established?
03/15/2021.
What is the Return on Assets (ROA)?
0.41%.
How much are total loans and leases?
$278.18M (latest filing).
What is the total interest income (latest filing)?
$4.63M.