# TRUPOINT BANK
GRUNDY, VA · FDIC certificate 21883 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $690.8M | |
| Deposits | $593.7M | |
| Loans and leases | $466.7M | |
| Total equity | $64.2M | |
| Loans / deposits | 77.67% (p41 of band) | 82.04% |
| Liquid assets / assets | 26.00% (p53 of band) | |
| Uninsured deposits / deposits | 17.11% (p19 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.32% (p49 of band) | |
| FHLB advances / assets | 0.78% | |
| Tier 1 leverage | 10.60% (p47 of band) | 10.81% |
| Unrealized securities loss / equity | -23.10% (p19 of band) | -8.10% |
| AOCI / equity | -1.43% (p14 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 68.11% (p69 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | -0.07% (p1 of band) | |
| Reserve coverage of noncurrent | 6446.51% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 76.25% (p76 of band) | |
| Auto loans | $1.6M (0.35% of loans; DQ 0.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 42.2% | |
| Employees | 146 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, charge-offs p90 |  |
| 2011-09 | 2 | noncurrent p90 | losing money, charge-offs p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 4 | charge-offs p90, assets shrinking |  |
| 2012-09 | 3 |  | assets shrinking |
| 2012-12 | 4 | leverage <7%, losing money | noncurrent p90 |
| 2013-03 | 3 | capital falling | charge-offs p90, losing money |
| 2013-06 | 2 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2013-09 | 0 |  | leverage <7%, charge-offs p90 |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 2 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2015-06 | 3 | noncurrent p90, charge-offs p90 | capital falling |
| 2015-09 | 3 | expense ratio p90 | noncurrent p90 |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | capital falling | charge-offs p90 |
| 2016-06 | 4 | noncurrent p90 |  |
| 2016-09 | 3 | charge-offs p90 | capital falling, noncurrent p90 |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 2 | losing money | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 0 |  | expense ratio p90, losing money |
| 2018-06 | 2 | capital falling, expense ratio p90 |  |
| 2018-09 | 0 |  | capital falling, expense ratio p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 2 |  | uninsured deposits leaving, assets shrinking |
| 2025-06 | 3 | assets shrinking |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 1 | capital falling | securities losses >30% of equity, deposits shrinking, assets shrinking |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-03 [Costly IRA lesson: 'Experienced real estate investor' loses twice in lawsuit against bank - The Asheville Citizen Times](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZkktcjUxdWxueXEtbXFXVU1qa3FGNE8wdG13M1BHeEpfdDd6eEhxT0pBSHAwdXZ6TXlxZklGMTFLN25DUXdnWDlaYmNEUWRTMGU1cnJQeE9YNjlmMUdKZ1RSZThyTHJCT0R1WmxlZG5DRzFJVWhaNlBYblhJT2plUXBNSHRSX2psLV9Fd1NkZVltS3YyWDRCUzdPekV0b2VoRlNFdTdZRXdjajBsbWhGQnk4VklDYl9BYlIzaHo1SjFGRk8zWk1NLQ?oc=5) · The Asheville Citizen Times
- 2024-10-09 [Responding to Hurricanes Milton and Helene - American Bankers Association (ABA)](https://news.google.com/rss/articles/CBMipAFBVV95cUxOd0FSS0RhcVhLSHlQN0V5ZWtHcG5yeXVhNDE0eFV4U1RhTGtwU21nMzhWaHFwLWlDRjhodmdWUVNKVG9GdUV2ZnNtbnowYVU5VkhEQ1ppcTh0LVlneDlOWjZjRjVta2prbVQ0NUE2SktRT2t6V2FaTGlfa0d0WUhobmxIamExX0NFMk1wdGxnQ3BlTnR0aVA0aFZ6RTBjTFNMdEF1WA?oc=5) · American Bankers Association (ABA)
- 2023-12-25 [Buchanan County Sheriff issues scam alert - WYMT](https://news.google.com/rss/articles/CBMif0FVX3lxTE5VbjVSNko4X2JLclNUZWpncDB3V1pGMXA0Y0dLckUtYlFraVYyMHF6VTV3d0hxWXdMUnlQSlAzcnBleVFmS3RtQ0MtSDNMWjY4Tkk4V191M2ZGRVNySnRFYXBFTks3d2llclpDNm5LQlB3VDZ3TXJ5b1VyaDNNX2_SAZMBQVVfeXFMTV9ubFRPMmtIS1BReXFEeEVMVTlZN25PS2hNbDRNWTQwN2Zta1NZSnhwT3d6ZHJRM1lYZ1ZfNHZ3bGRPZHhIdkpxaGJ1dmU2WThBX2pocUFlYV91SGZRNE1fSjYyR3hxV1AyekJPNzFtbVkySkJndGczdThKbF83eW1NMTlnMmNkMGFIRGdnaHpxVG9Z?oc=5) · WYMT
- 2025-02-14 [Eugene Smith Hearl Obituary Feb 14, 2025 - Farris Funeral Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE13eHUtMlo4bWVuSUtfSHVPQTIzU245WllTaVROVHNZUE16MElDaEtObG5Qdy0zV1gwYXFNM0tKa3pqLUhnbjd6aWlfT3Q5VnM3UWk3M2JCUTZKXzM2QjZPenNjNnZsZ2lHQWdTQQ?oc=5) · Farris Funeral Service
- 2019-06-28 [Bristol Pirates announce Merchant's Night locations - MLB.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSXFlcFROZmJ2VG5DRUhtV2RjZExzNFdMVHV1NHpaMXR3TXktZ0Ryd0MzdVozdVZKMC1EaHhwVElPdllNNzdfOURhNFZVc09hX3JpMlNWcEhGQmFMaVBrTEgwWHVaazdiaHNfX3h1RVlrM1lyWFlVZnNrN1o5RHVKM2M4MFF6NFVpZi1xb290M1k?oc=5) · MLB.com
- 2018-05-25 [Tri-Cities Memorial Day weekend events - WJHL](https://news.google.com/rss/articles/CBMie0FVX3lxTE5LbHBacEhMcTN1QlNhcUFZbHhfcENtYVRwOUNxWG1rQU1OTWFMd3h6aW1TNi1fV2xBZ0xMUk0zUG1BYjZMcWwwZTZLR1Q1S3FSaDB2WVYxM2VMVlpXYUN0VlcwdGpBamRhaXRGU2liaHlVUEJZR3lySnIxUdIBgAFBVV95cUxNMFpUVjJNM1V5ckpCbHl0LU1RVTduQU5FNEZRYWdrVVFTeUV2QXk0LUI4cHFvd1VPZHBjdkZDVzlZU0JYbkx5UzMwTUNiY1lqN3hZMDBucUtSZWh6SmhQdXA4eHBkcWphNVZqSkcwLVNaeWVEdDNiVXF3VHdxQUV5Zg?oc=5) · WJHL
- 2019-04-18 [Wayne Henderson and Helen White to perform in Tazewell - heraldcourier.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxON3dPUnh6ZW9IcnlxZnVYdFV1TUN6QnY4Z29yb1RVbFJESUFvYmNTaGs5aS0zbDNLcDdQU2NySzlTVEV5eVdwcHlqVU43cUV1d0pxaTlmQkpsd1Vxanc4aEcyTkFBRUlBX0ctSnZDZlhrVkxhVHU1XzB6Q240NlJJakN1UDIydEJRaWZFSEp5WFZBc2xaN20zWmdEa0JYM3ctMFhYR0VyeEFadmNQa2dOYWI4X3lQcXlaQ0p4NTNWYkJqUlBHOTR5NEwtYkNCcUJYNkxNX05CTGlzWWpHa202QVJKcGtzdw?oc=5) · heraldcourier.com
- 2010-05-18 [Ethan Stacy funeral Wednesday in Virginia - Deseret News](https://news.google.com/rss/articles/CBMijgFBVV95cUxPc1pGdHFENVhOdUJwM0NzYjRManQ4TVVxUVBMZlY5cThRNlN3bGlDdTBITU94cW5wWmRGbGVjTzlJdExTcXhJX1gwdDdvYlNXb2xaUzg2VGRJM1kwT3RUZVFCTFpLY0lXa3JLR0lkUXRWTEEta2x2M2FaMUVqNjJ5S2FHNWhUWlNYdk5YVXJB?oc=5) · Deseret News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21883 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "21883", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide