Trupoint Bank (FDIC #21883): Bank Stress & Real-Estate Credit Exposure
Trupoint Bank (FDIC Cert #21883): bank stress 71/100, elevated, STABLE over 7 days; parent MINERS&MERCHANTS BCORP INC.
Trupoint Bank (#21883) lends in 10 counties across 3 states; Trupoint Bank (#21883) reaches 108 ZIP codes: Virginia 6 counties, 58 ZIPs; Tennessee 3 counties, 30 ZIPs; North Carolina 1 county, 20 ZIPs.
Trupoint Bank (#21883) largest markets: Buncombe County, NC (20 branches, 20 ZIPs) (#21883), Tazewell County, VA (36 branches, 18 ZIPs) (#21883), Buchanan County, VA (48 branches, 16 ZIPs) (#21883), Washington County, TN (13 branches, 13 ZIPs) (#21883), Hawkins County, TN (36 branches, 12 ZIPs) (#21883), Sullivan County, TN (12 branches, 12 ZIPs) (#21883).
Trupoint Bank (#21883) reports $690.8 million in total assets; Trupoint Bank (#21883) equity $64.2 million (9.3% of Trupoint Bank (#21883) assets); Trupoint Bank (#21883) domestic deposits $593.7 million; Trupoint Bank (#21883) net income $3.9 million; Trupoint Bank (#21883) return on assets 1.12%; Trupoint Bank (#21883) return on equity 12.24%; Trupoint Bank (#21883) net interest income $13.2 million; Trupoint Bank (#21883) call report June 30, 2026.
Trupoint Bank (#21883) noncurrent real-estate loans: none reported; Trupoint Bank (#21883) residential -0.61%; Trupoint Bank (#21883) net charge-offs on real estate 0.03%.
Trupoint Bank (#21883) net interest margin 4.12% against an eight-quarter Trupoint Bank (#21883) average of 3.57% (Trupoint Bank (#21883) compression -0.55 points); Trupoint Bank (#21883) rate-exposure score 40/100, Trupoint Bank (#21883) fixed-rate trap 40/100; Trupoint Bank (#21883) risk type credit driven; Trupoint Bank (#21883) rate regime rates elevated, Trupoint Bank (#21883) snapshot October 20, 2026.
Trupoint Bank (#21883) stress score moved from 72.2 on June 22, 2026 to 70.6 on October 20, 2026; Trupoint Bank (#21883) ranged 70.6 to 72.2 over 117 snapshots.
Trupoint Bank (#21883) alerts: 10 counties; top Trupoint Bank (#21883) alert scores: Bristol County, VA 36 (moderate); Abingdon County, VA 23 (low); Asheville County, VA 23 (low); Johnson City County, VA 23 (low); Kingsport County, VA 23 (low).