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ROCKPOINTBANK, NATIONAL ASSOCIATION

CHATTANOOGA, TN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2021FDIC #59,206
Satisfactory

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Institution Profile

FDIC BankFind

Address

401 Chestnut St, CHATTANOOGA, TN

County

Hamilton County

Established

March 15, 2021

Total Assets

$349M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 5, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$349M

Total Deposits

$303M

Net Loans

$285M

Net Income

$404K

ROA

0.47%

ROE

3.67%

Risk-Based Capital

15.89%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate11.67%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$270M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246070%11.67%
20237572%13.33%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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