RockPointBank, National Association

Headquarters: Chattanooga, Tennessee
Charter: Bank
Assets: $384.5M
Fed district: Atlanta
Regulator: OCC

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 7, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 7, 2026

How these figures are measured

Call-report figures are for RockPointBank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	RockPointBank, National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 7, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: RockPointBank, National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $82K in Q2 2026, 156% above the same quarter a year earlier ($32K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
RockPointBank, National Association: $35
RockPointBank, National Association: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $37.50, the middle of its prices
RockPointBank, National Association: $25 to $50
RockPointBank, National Association: $25 to $50
U.S. median: no median
Stop Payment
RockPointBank, National Association: $35
RockPointBank, National Association: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 141% from Q3 2025 to Q2 2026, to $82K.

Service-charge income, Q2 2026

$82K

$34KQ3 2025

$79KQ4 2025

$78KQ1 2026

$82KQ2 2026

Against the median

RockPointBank, National AssociationMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

RockPointBank, National Association · $384M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$376M to $393M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
RockPointBank, National Association(this institution)	Chattanooga, TN	$384M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
5Star Bank	Colorado Springs, CO	$378M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Community Bank of Indiana	Saint John, IN	$383M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BankGloucester	Gloucester, MA	$387M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central Bank	Tampa, FL	$387M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Earlham Savings Bank	West Des Moines, IA	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ESB Financial	Emporia, KS	$381M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers State Bank	Center, TX	$391M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of Clarksdale	Clarksdale, MS	$386M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Lynnville, IA	$384M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Great Plains State Bank	Petersburg, NE	$392M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Merchants & Planters' Bank	Newport, AR	$379M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Trust and Savings Bank	Bourbonnais, IL	$382M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Valley Bank & Trust	Springfield, MA	$385M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pinnacle Bank	Jasper, AL	$385M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sandhills State Bank	North Platte, NE	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Community State Bank	Poteau, OK	$393M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Fahey Banking Company	Marion, OH	$385M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Citizens National Bank of Upper Sandusky	Upper Sandusky, OH	$390M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Fisher National Bank	Fisher, IL	$376M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Harbor Bank of Maryland	Baltimore, MD	$383M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
THE HOME LOAN SAVINGS BANK	Coshocton, OH	$387M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Peoples Community Bank	Mazomanie, WI	$389M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
TrustTexas Bank, SSB	Cuero, TX	$393M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Roosevelt Savings Bank	Carteret, NJ	$381M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Universal Bank	West Covina, CA	$388M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

RockPointBank, National Association does not publish a monthly maintenance fee in the index.

The peer median is $8.45 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

RockPointBank, National Association does not publish a monthly maintenance fee, so it is not on this chart.

RockPointBank, National A…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for RockPointBank, National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 22 quarters on file

Latest, Q2 2026: $82K
vs prior quarter: +$4K+5.1%; from Q1 2026
vs a year earlier: +$50K+156.3%; from Q2 2025
vs start of range: +$48K+141.2%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: RockPointBank, National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$82K	+$4K	+5.1%
Q1 2026	$78K	−$1K	−1.3%
Q4 2025	$79K	+$45K	+132.4%
Q3 2025	$34K	+$2K	+6.3%
Q2 2025	$32K	+$1K	+3.2%
Q1 2025	$31K	+$2K	+6.9%
Q4 2024	$29K	−$5K	−14.7%
Q3 2024	$34K	+$6K	+21.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from RockPointBank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account - Checking (per month; 6 months of no activity)$5
per month
Dormant Account - Savings (per quarter; 6 months of no activity)$5
Not compared: Quarterly charge, not monthly
per quarter
Paper Statement Fee$3
Returned Mail (per piece)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF/Overdraft Charge (per transaction)$35
per transaction
Overdraft Protection (ODP) Transfer (per transfer)$5
per item

ATM & Card

Card Replacement (per card)$5
per item
Subsequent Replacement (per card)$15
per item

Wire Transfers

Outgoing Domestic Exception Wire (per transfer)$50
per item
Outgoing Domestic Wire (per transfer)$25
per item
Outgoing International Exception Wire (per transfer)$90
per item
Outgoing International Wire (per transfer)$65
per item

Check Services

Cashier's Check (per check)$8
per item
Stop Payment (per item)$35
per item
Collection Items (per item)$20
per item

Account Services

Notary Services$5
Levies and Garnishments$100
Account Verification$10

Other Fees

Copy Cost (per page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account - Checking (per month; 6 months of no activity)	$5	per month	None
Dormant Account - Savings (per quarter; 6 months of no activity)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Paper Statement Fee	$3	Not stated	None
Returned Mail (per piece)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF/Overdraft Charge (per transaction)	$35	per transaction	None
Overdraft Protection (ODP) Transfer (per transfer)	$5	per item	None
ATM & Card
Card Replacement (per card)	$5	per item	None
Subsequent Replacement (per card)	$15	per item	None
Wire Transfers
Outgoing Domestic Exception Wire (per transfer)	$50	per item	None
Outgoing Domestic Wire (per transfer)	$25	per item	None
Outgoing International Exception Wire (per transfer)	$90	per item	None
Outgoing International Wire (per transfer)	$65	per item	None
Check Services
Cashier's Check (per check)	$8	per item	None
Stop Payment (per item)	$35	per item	None
Collection Items (per item)	$20	per item	None
Account Services
Notary Services	$5	Not stated	None
Levies and Garnishments	$100	Not stated	None
Account Verification	$10	Not stated	None
Other Fees
Copy Cost (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when RockPointBank, National Association's foreign transaction changes in our data

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