RockPointBank, National Association
Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Very Weak liquidity 0.7, driven by a liquidity ratio of 10.3 percent and a “hot money” ratio of 15.7 percent. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Asset Mix:
Comm re (31%), home mtgs (24%), securities (11%), comm loans (10%), home eq lns (6%), cash (4%), consumer loans (1%), other (13%)
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
--
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
No affiliate information available.