Pointbank
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Data as of · sourced from FFIEC call reports. How we update
Pointbank is an FDIC-insured commercial bank headquartered in Pilot Point, TX, established in 1892 (FDIC certificate 3389), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.16B, up 12.4% from Q2 2025, the 81st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.10% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3389
- Headquarters
- Pilot Point, TX
- Established
- 1892
- Total assets, Q2 2026
- $1.16B
- Assets vs Q2 2025
- +12.4%
- CET1 ratio, Q2 2026
- 15.10%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 111906006
- Holding company
- PILOT POINT BANCORP, INC.
- Asset rank in state
- 81st of 346 in Texas
Problem loans are rising at Pointbank. It reported $1.2 billion in assets at June 30, 2026, up 12.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.77% of loans from 0.10% a year earlier. It funds 8.99% of its assets with Tier 1 capital, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also carries problem assets equal to 11.4% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
The commercial and industrial book ($67 million) is worsening: 14.87% of it is past due or on nonaccrual, up from 0.88% a year earlier. Its $74 million non-owner-occupied commercial real estate book is now fully current, after 2.37% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Pointbank reported a CET1 capital ratio of 15.10%, a return on assets of 1.00%, a nonperforming-loan ratio of 1.77% and a Texas ratio of 11.37%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Pointbank is the 81st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $1.16B, loans rose 6.0% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 25.8% of total loans, ahead of 1-4 family residential loans at 20.7%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in TX; its Pilot Point office books 28% of its branch deposits. Judged on its Q2 2026 call report, Pointbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Highway 377, Pilot Point, TX 76258
- County
- Denton
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 13, 1892
- Former names
- Pointbank, National Association (1995-2003)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 118
- Domestic deposits
- $968.3M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $289K
- Average total assets
- $1.17B
- Average total loans
- $573.6M
- Average interest-bearing deposits
- $938.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3389
- Fed RSSD
- 844567
- Website
- https://www.pointbank.com →
- Parent Holding Company
- PILOT POINT BANCORP, INC. (RSSD 1135691)
- Ultimate Parent
- RSSD 3353837
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pointbank's total assets ran between $1.01B (Q3 2023) and $1.16B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.16B total assets against $1.03B; $1.08B total liabilities against $966.2M.
$582.6M net loans and leases against $544.3M; $968.3M total deposits against $862.9M.
$525.4M securities against $442.3M; $29.4M cash and balances due against $23.6M.
$14.0M total interest income against $13.2M; $5.6M total interest expense against $5.3M.
$8.4M net interest income against $7.9M.
$1.5M total noninterest income against $1.5M; $6.9M total noninterest expense against $6.2M.
$100K provision for credit losses against $150K.
$2.9M net income against $3.1M.
1.00% return on assets against 1.18%; 3.13% net interest margin against 3.19%.
15.10% CET1 capital ratio against 15.50%; 8.99% tier 1 leverage ratio against 9.56%.
Inside the full Pointbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePointbank rankings
Its closest position to the top of a national ranking is 519 of 3,640, for Texas Ratio; its furthest is 2,506 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.87% (Q1 2026) to 1.32% (Q4 2024) and its net interest margin ran from 3.05% (Q4 2024) to 3.48% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.10% | 1.00% | 1.77% | 11.37% | 3.13% |
| Q1 2026 | 15.57% | 0.87% | 1.98% | 11.86% | 3.25% |
| Q4 2025 | 15.50% | 1.04% | 0.10% | 0.65% | 3.48% |
| Q3 2025 | 15.24% | 1.13% | 0.12% | 0.77% | 3.14% |
| Q2 2025 | 15.50% | 1.18% | 0.10% | 0.74% | 3.19% |
| Q1 2025 | 15.68% | 1.21% | 0.03% | 0.20% | 3.15% |
| Q4 2024 | 15.57% | 1.32% | 0.03% | 0.22% | 3.05% |
| Q3 2024 | 15.20% | 1.22% | 0.26% | 1.72% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pointbank (main office) | Pilot Point , TX | 76258 | $274.8M |
| Aubrey Branch | Aubrey , TX | 76227 | $172.8M |
| Argyle Branch | Argyle , TX | 76226 | $151.4M |
| Denton Bank North Branch | Denton , TX | 76201 | $91.7M |
| Corinth Branch | Denton , TX | 76210 | $68.3M |
| Lewisville Branch | Lewisville , TX | 75067 | $67.5M |
| Flower Mound Branch | Flower Mound , TX | 75028 | $62.3M |
| Denton Bank South Branch | Denton , TX | 76205 | $45.8M |
| Little Elm Branch | Little Elm , TX | 75068 | $33.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- November 6, 2014, Federal Reserve: Civil Money Penalty, $8,810: PointBank, Pilot Point, Texas
- Period: Most recent institution action November 6, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 112 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 82 applications, 46 loans originated, $35.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pointbank
What are Pointbank's total assets?
As of the Q2 2026 filing, Pointbank reported total assets of $1.16 billion in its FFIEC call report.
Where is Pointbank headquartered?
It is headquartered in Pilot Point, TX, United States.
When was Pointbank founded?
It was established in 1892, per the FDIC institution directory.
Is Pointbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pointbank?
Pointbank's primary federal regulator is the Federal Reserve.
What is Pointbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pointbank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pointbank's Texas Ratio?
Its Texas Ratio is 11.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Pointbank previously called?
The charter now named Pointbank has also operated as Pointbank, National Association (1995-2003), per FDIC structure-change records.
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