POINTWEST BANK

WEST, TX | Small | Est. Jan. 1, 1893, midnight | FDIC #13600 | RSSD #292467 | FDIC
Latest Report: 2025-12-31

POINTWEST BANK is asn small FDIC-insured commercial bank headquartered in WEST, TX, established in Jan. 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $137M and total deposits of $122M. Profitability stands at 1.89% ROA and 19.48% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 29.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #13600.

Assets

$137M

Deposits

$122M

Loans

$49M

Equity

$13M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 19.48%
Net Interest Margin (NIM) 4.39%
Yield on Assets 4.75%
Cost of Funds 0.37%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 29.02%
Tier 1 Capital 29.02%
Total Capital Ratio 29.95%
Leverage Ratio 11.90%
Loan-to-Deposit 40.49%

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