FDIC Cert #21883 · Grundy, Virginia · Est. 1975

TruPoint Bank - FDIC Bank Health Profile

A community-scale look at TruPoint Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$696M
Total assets
C
Health grade · Fair
0.62%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

TruPoint Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.20% Tier 1, 0.62% ROA, 81% efficiency ratio.

#1,390
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
10.20%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 21883 · VA C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3639/4307
  • PHOTO-FINISH Stryv Bank · KS
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Stryv Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around TruPoint Bank

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Guaranty Bank · KY …62/100First Independence B… · MI ·…62/100Stryv Bank · KS · near62/100TruPoint Bank · VA · this ba…62/100Washita State Bank · OK · ne…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around TruPoint Bank · July 2026

What TruPoint Bank's Call Report plate shows

TruPoint Bank (FDIC Cert #21883) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,639 of 4,307. Tier 1 capital prints at 10.20%, clearing the 10% well-capitalized line. The Texas Ratio is 1.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $696M, 1,390th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Stryv Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around TruPoint Bank

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

TruPoint Bank's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; TruPoint Bank remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

How TruPoint Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
TruPoint Bank's composite health score
Tier 1 Capital Ratio (10.20%) 28/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (1.97%) 20/20
Efficiency Ratio (80.54%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$696M

Total balance-sheet footings

Total Deposits

$603M

Customer-funded liabilities

Net Loans

$435M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.8% 10.2% 11.6%
Basel III capital ratios - TruPoint Bank

Where TruPoint Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. TruPoint Bank's score of 62/100 falls in the highlighted band.

TruPoint Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 16th percentile higher than 16% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. TruPoint Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

TruPoint Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). TruPoint Bank's $696M falls in the highlighted band.

Safety ratios for TruPoint Bank

Tier 1 capital ratio
Well-capitalized 10%

10.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.20%
Texas Ratio
1.97%
Equity Capital
$63M

What these ratios mean →

Profitability metrics: TruPoint Bank

Return on Assets (ROA)
20th percentile nationally
0.62%
Return on Equity (ROE)
6.62%
Efficiency Ratio
80.54%

What these mean →

Income & expense at TruPoint Bank

$25M
Interest Income
$4M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. TruPoint Bank reports a Texas Ratio of 1.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View TruPoint Bank on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($696M here), outside Virginia so the neighborhood is not state containment.

Citizens Bank $696M · IN Carver Federal Savings Bank $696M · NY First Independence Bank $697M · MI BankNorth $697M · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) TruPoint Bank (FDIC Cert #21883) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

TruPoint Bank Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
Capital One, National AssociationMclean $658.5B B 0.55%
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
Atlantic Union BankRichmond City $37.5B A 0.99%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
The First Bank and Trust CompanyLebanon $4.2B A 1.62%