Pointbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pointbank of Pilot Point, TX against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.00% | 1.34% | -0.34% | 27th below |
| ROAE | 14.02% | 12.34% | +1.68% | 61st above |
| Net Interest Margin | 3.13% | 3.83% | -0.70% | 19th bottom |
| Efficiency Ratio | 66.05% | 58.97% | +7.08% | 26th below |
| PPNR / Avg Assets | 1.04% | — | — | 15th bottom |
| Yield on Earning Assets | 5.07% | 5.71% | -0.64% | 23rd bottom |
| Cost of Funds | 1.72% | 2.02% | -0.30% | 68th above |
| Net Interest Spread | 2.21% | — | — | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.77% | 0.87% | +0.90% | 11th bottom |
| NPA / Total Assets | 0.90% | — | — | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 34th below |
| ACL / Total Loans | 1.59% | — | — | 89th top |
| ACL / NPLs (Coverage) | 90.21% | — | — | 19th bottom |
| Texas Ratio | 11.37% | 5.48% | +5.89% | 13th bottom |
| Provision / NCO | 93.46% | — | — | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.10% | 14.99% | +0.11% | 70th above |
| Tier 1 Ratio | 15.10% | 15.02% | +0.08% | 69th above |
| Total Capital Ratio | 16.35% | — | — | 71st above |
| Leverage Ratio | 8.99% | 11.11% | -2.12% | 11th bottom |
| Equity / Assets | 7.10% | 11.02% | -3.92% | 3rd bottom |
| TCE / Tangible Assets | 7.10% | — | — | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.14% | 86.99% | -25.85% | 93rd top |
| Core Deposit Ratio | 88.40% | 85.57% | +2.83% | 50th above |
| Uninsured Deposit Ratio | 35.01% | 33.19% | +1.82% | 39th below |
| Wholesale Funding Ratio | 8.87% | — | — | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.43% | — | — | 82nd top |
| Loan Growth (Y/Y) | 7.10% | — | — | 58th above |
| Deposit Growth (Y/Y) | 12.22% | — | — | 80th top |
See Pointbank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pointbank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pointbank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Pointbank peer analysis.