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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Grundy, VA · FDIC certificate #21883
TRUPOINT BANK is an FDIC-insured institution based in Grundy, VA (FDIC certificate #21883). In its Q3 2026 Call Report it reported total assets of $654M, total deposits of $562M and net loans of $453M. Its primary federal regulator is FED.
Plain-language readout
TRUPOINT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $703M in Q1 2026 and were lowest at $654M in Q3 2026.
Total deposits were highest at $607M in Q1 2026 and lowest at $562M in Q3 2026.
Over the whole period total assets fell 7.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $654M | $562M | $453M | 1.13% | 12.17% | 4.19% |
| Q2 2026 | $691M | $594M | $461M | 1.12% | 12.24% | 4.12% |
| Q1 2026 | $703M | $607M | $461M | 1.00% | 11.01% | 4.03% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $49.0M | $59.9M | -$10.9M | -18.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $130.6M | $133.0M | -$2.3M | -1.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $461.1M | $461.4M | -$332K | -0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.3M | $13.8M | +$466K | +3.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $3.7M | $3.9M | -$202K | -5.2% |
| All other assets | $32.1M | $31.5M | +$575K | +1.8% |
| Total assets | $690.8M | $703.5M | -$12.7M | -1.8% |
| Liabilities | ||||
| Total deposits | $593.7M | $607.5M | -$13.8M | -2.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $17.5M | $16.3M | +$1.3M | +7.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.4M | $5.4M | -$20K | -0.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $9.9M | $10.3M | -$322K | -3.1% |
| Total liabilities | $626.6M | $639.4M | -$12.8M | -2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.6M | $1.6M | $0K | 0.0% |
| Surplus | $18.3M | $18.3M | $0K | 0.0% |
| Retained earnings | $56.0M | $55.3M | +$724K | +1.3% |
| Accumulated other comprehensive income | -$11.7M | -$11.1M | -$620K | -5.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $64.2M | $64.1M | +$104K | +0.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $86K | $170K | -$84K | -49.4% |
| Adjusted nonperforming assets | $86K | $170K | -$84K | -49.4% |
| Tangible equity plus allowance | $66.0M | $65.8M | +$265K | +0.4% |
| Texas ratio (gross) | 0.13% | 0.26% | -0.13 pts | See points |
| Texas ratio (adjusted) | 0.13% | 0.26% | -0.13 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.13% | 0.26% | -0.13 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.60% | 10.22% | +0.38 pts | See points |
| Construction and land loans to total capital | 62.22% | 55.85% | +6.37 pts | See points |
| Commercial real estate to total capital | 202.86% | 202.69% | +0.17 pts | See points |
| Dividend payout, year to date | 47.43% | 24.07% | +23.35 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -20.28% | -19.66% | -0.61 pts | See points |
| Liquidity | ||||
| Core deposits | $549.3M | $561.7M | -$12.4M | -2.2% |
| Non-core funding | $67.3M | $67.4M | -$122K | -0.2% |
| Loans to core deposits | 84.95% | 83.14% | +1.81 pts | See points |
| Loans to deposits | 78.60% | 76.88% | +1.72 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 74.33% | 53.49% | +20.85 pts | See points |
| Loans pledged, share of loans | 37.20% | 36.47% | +0.73 pts | See points |
| Volatile liabilities | $67.3M | $67.4M | -$122K | -0.2% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $1.9M | +$2.7M | +143.9% |
| Earnings before provision, single quarter | $2.7M | $1.9M | +$812K | +43.9% |
| Provision for credit losses, year to date | -$410K | -$351K | -$59K | -16.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.22% | 6.27% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 4.30% | 3.41% | +0.89 pts | See points |
| Total interest income to average assets | 4.94% | 4.84% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.74% | 0.80% | -0.06 pts | See points |
| Cost of savings and money market deposits | 0.73% | 0.73% | -0.00 pts | See points |
| Cost of time deposits | 3.13% | 3.28% | -0.15 pts | See points |
| Total interest expense to average assets | 1.08% | 1.14% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $654M | $562M | $453M | 1.13% | 12.17% | 4.19% |
| 2026-06-30 | $691M | $594M | $461M | 1.12% | 12.24% | 4.12% |
| 2026-03-31 | $703M | $607M | $461M | 1.00% | 11.01% | 4.03% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $380M | 0.12% | 55 | Continuing · -0.03 pp |
| NC | $21.1M | 0.00% | 77 | Continuing · -0.00 pp |
| TN | $16.5M | 0.01% | 166 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.