TruPoint Bank
Total assets
$690.8M
▲ +41.2% YoY
Deposits
$593.7M
▲ +42.2% YoY
Loans
$461.1M
▲ +50.4% YoY
Offices
16
MINERS&MERCHANTS BCORP INC
ROA (annualized)
1.12%
peers 1.28%
ROE (annualized)
12.24%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | TruPoint Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +41.2% | +4.9% | +36.3 pts |
| Deposit growth (YoY) | +42.2% | +4.3% | +37.8 pts |
| Loan growth (YoY) | +50.4% | +5.3% | +45.0 pts |
| ROA | 1.12% | 1.28% | -0.2 pts |
| ROE | 12.2% | 12.4% | -0.2 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
Profile
- Established
- 1975
- Charter
- State
- Primary regulator
- FED
- Holding company
- MINERS&MERCHANTS BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 20089 Riverside Dr, Grundy, VA, 24614
- County
- Buchanan
- Offices
- 16
- FDIC cert #
- 21883
- RSSD ID
- 274829
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $690.8M | $593.7M | $461.1M | $64.2M | $3.9M | 1.12% | 4.12% | 0.01% |
| Q1 2026 | $703.5M | $607.5M | $461.4M | $64.1M | $1.7M | 1.00% | 4.03% | 0.02% |
| Q4 2025 | $696.3M | $603.4M | $435.1M | $63.0M | $3.3M | 0.62% | 3.74% | 0.19% |
| Q3 2025 | $469.4M | $414.3M | $304.5M | $38.2M | $1.8M | 0.50% | 3.60% | 0.03% |
| Q2 2025 | $489.2M | $417.6M | $306.7M | $50.9M | $1.4M | 0.54% | 3.53% | 0.02% |
| Q1 2025 | $505.0M | $434.3M | $316.9M | $49.6M | $800K | 0.63% | 3.46% | 0.14% |
| Q4 2024 | $511.1M | $445.0M | $323.0M | $46.7M | $3.7M | 0.70% | 3.06% | 0.12% |
| Q3 2024 | $506.8M | $436.7M | $311.7M | $48.9M | $2.0M | 0.50% | 3.00% | 0.14% |
Loan mix (Q2 2026): real estate $314.5M · commercial $79.8M · consumer $71.8M · securities $130.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | TruPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.28% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.89% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 61.2% | 69th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | TruPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | TruPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | TruPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | TruPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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