RockPointBank, National Association
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.5, driven by a liquidity ratio of 11.3 percent and a “hot money” ratio of 11.6 percent. A current level of 1.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Comm re (28%), home mtgs (25%), comm loans (9%), securities (8%), cash (7%), home eq lns (6%), consumer loans (1%), other (17%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
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1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
401 Chestnut Street
Chattanooga, TN 37402
Chattanooga, TN 37402
Phone Number
(423) 558-3400
Year Founded
2021
FDIC Number
Website
Largest Affiliates
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