POINTBANK

PILOT POINT, TX | Large | Est. July 13, 1892, midnight | FDIC #3389 | RSSD #844567 | FED
Latest Report: 2025-12-31

POINTBANK is aln large FDIC-insured commercial bank headquartered in PILOT POINT, TX, established in July 13, 1892, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $994M. Profitability stands at 1.06% ROA and 14.33% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 15.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.65%. FDIC Certificate #3389.

Assets

$1.1B

Deposits

$994M

Loans

$571M

Equity

$82M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 14.33%
Net Interest Margin (NIM) 3.57%
Yield on Assets 5.63%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.08%
Texas Ratio 0.65%
NPA Ratio 0.05%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 15.50%
Tier 1 Capital 15.50%
Total Capital Ratio 16.75%
Leverage Ratio 9.35%
Loan-to-Deposit 57.42%

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