Pointbank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 22.28 percentage points in Q2 2026, from 147.92% to 170.20%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Pointbank is 241st of 346 on loan-to-deposit ratio, 61.14% as of Q2 2026. Pointbank reported 61.14% on loan-to-deposit ratio for Q2 2026, 27.06 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $592.1M |
| Net loans and leases | $582.6M |
| Loans held for sale | $0 |
| Loans to total assets | 50.98% |
| Loan-to-deposit ratio | 61.14% |
| Net loans to equity capital | 7.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.31% |
| Multifamily (5+ residential) | 0.76% |
| Commercial and industrial | 11.34% |
| Consumer | 5.66% |
| Credit cards | 0.31% |
| Farm | 1.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.20% |
| Construction concentration (Tier 1 capital + allowance) | 101.72% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.60% |
| Interest income on loans | $9.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $515.1M | $969.3M | 38.20% | 20.12% | 4.34% |
| Q4 2023 | $543.6M | $1.03B | 38.00% | 21.85% | 4.49% |
| Q1 2024 | $549.6M | $998.8M | 38.51% | 20.45% | 4.66% |
| Q2 2024 | $544.9M | $962.4M | 38.13% | 19.45% | 4.92% |
| Q3 2024 | $546.5M | $927.7M | 37.91% | 19.56% | 4.88% |
| Q4 2024 | $544.7M | $936.9M | 37.78% | 18.97% | 4.80% |
| Q1 2025 | $538.9M | $901.0M | 39.97% | 17.98% | 4.85% |
| Q2 2025 | $552.8M | $862.9M | 39.32% | 17.92% | 5.17% |
| Q3 2025 | $563.7M | $905.2M | 37.37% | 15.88% | 5.18% |
| Q4 2025 | $570.7M | $993.9M | 35.83% | 15.79% | 5.00% |
| Q1 2026 | $558.6M | $993.0M | 38.64% | 12.07% | 5.33% |
| Q2 2026 | $592.1M | $968.3M | 38.31% | 11.34% | 5.66% |
Pointbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pointbank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pointbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3389) · FFIEC NIC profile (RSSD 844567)