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Trupoint Bank
Grundy, VA · FDIC Certificate #21883 · Chartered 01/0
Total assets
$690.75M
Total deposits
$593.72M
Total equity
$64.19M
Net loans
$461.11M
Branches (offices)
16
Net income (YTD)
$3.90M
Rank: #1,382 of 4,213 U.S. banks by assets · #33 of 56 in Virginia. Assets changed 41.2% and deposits 42.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 12.24% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 10.60% |
| Uninsured deposits (share of deposits) | 17.1% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | -0.11% |
| Loans to deposits | 77.7% |
| Real estate loans (share of loans) | 68.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $314.46M | 68.2% | |
| Commercial & industrial | $79.82M | 17.3% | |
| Consumer / individual | $71.85M | 15.6% | |
| Construction & development | $48.94M | 10.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $551.46M | $489.21M | $2.64M | $37.19M |
| Jun 2023 | $543.16M | $480.73M | $2.96M | $41.69M |
| Jun 2024 | $526.21M | $456.68M | $1.19M | $44.18M |
| Jun 2025 | $489.16M | $417.63M | $1.36M | $50.92M |
| Jun 2026 | $690.75M | $593.72M | $3.90M | $64.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $381.36M | 10 |
| Tennessee | $196.20M | 5 |
| North Carolina | $16.17M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $593.72M.
Similar-sized banks
American Nation Bank ($691.49M) · Citizens Bank ($690.63M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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