Pointwest Bank
BankRegReports is independent of Pointwest Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Pointwest Bank is an FDIC-insured commercial bank headquartered in West, TX, established in 1893 (FDIC certificate 13600), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $137.3M, up 4.5% from Q2 2025, the 292nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 31.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13600
- Headquarters
- West, TX
- Established
- 1893
- Total assets, Q2 2026
- $137.3M
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 31.83%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111905133
- Holding company
- WEST BANCSHARES OF DELAWARE, INC.
- Asset rank in state
- 292nd of 346 in Texas
Pointwest Bank, based in West, Texas, reported $137 million in assets at June 30, 2026, up 4.5% from a year earlier. It pays an average of 0.39% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 31.83% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Net income for the quarter slipped 17% from a year earlier, to $594,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.7 million equal 21% of Tier 1 capital, down from 29% a year earlier.
As of June 30, 2026, Pointwest Bank reported a CET1 capital ratio of 31.83%, a return on assets of 1.72%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pointwest Bank is the 292nd largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $137.3M, loans fell 1.2% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 45.5% of total loans, followed by auto loans at 13.6%. The FDIC Summary of Deposits lists 4 offices for it, in West, TX, Hewitt, TX and Waco, TX; its West 2 offices book 71% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pointwest Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W Oak St, West, TX 76691
- County
- Mclennan
- Metro Area
- Waco, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1893
- Former names
- West Bank & Trust (1963-2007)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $121.8M
- Allowance for credit losses
- $546K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $138.3M
- Average total loans
- $48.9M
- Average interest-bearing deposits
- $65.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 9, 1934
- FDIC Cert
- 13600
- Fed RSSD
- 292467
- Website
- http://www.pointwestbank.com →
- Parent Holding Company
- WEST BANCSHARES OF DELAWARE, INC. (RSSD 1862979)
- Ultimate Parent
- WEST BANCSHARES, INC. (RSSD 1105359)
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, Pointwest Bank's total assets ran between $130.2M (Q1 2025) and $153.2M (Q3 2023), 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
$137.3M total assets against $131.3M; $123.6M total liabilities against $120.1M.
$48.8M net loans and leases against $48.1M; $121.8M total deposits against $118.3M.
$73.3M securities against $64.7M; $10.8M cash and balances due against $14.4M.
$1.5M total interest income against $1.4M; $115K total interest expense against $114K.
$1.4M net interest income against $1.3M.
$311K total noninterest income against $287K; $1.1M total noninterest expense against $878K.
$30K provision for credit losses against $25K.
$594K net income against $713K.
1.72% return on assets against 2.21%; 4.31% net interest margin against 4.20%.
31.83% CET1 capital ratio against 28.94%; 12.54% tier 1 leverage ratio against 12.27%.
Inside the full Pointwest Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePointwest Bank rankings
Its closest position to the top of a national ranking is 63 of 2,134, for CET1 ratio; its furthest is 3,592 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.62% (Q3 2024) to 2.21% (Q2 2025) and its net interest margin ran from 3.90% (Q3 2024) to 4.31% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.83% | 1.72% | 0.00% | 0.00% | 4.31% |
| Q1 2026 | 30.82% | 1.72% | 0.00% | 0.00% | 4.28% |
| Q4 2025 | 29.02% | 1.84% | 0.00% | 0.00% | 4.21% |
| Q3 2025 | 30.21% | 2.01% | 0.00% | 0.00% | 4.29% |
| Q2 2025 | 28.94% | 2.21% | 0.00% | 0.00% | 4.20% |
| Q1 2025 | 28.69% | 1.67% | 0.00% | 0.00% | 4.04% |
| Q4 2024 | 27.99% | 1.66% | 0.00% | 0.00% | 3.99% |
| Q3 2024 | 28.96% | 1.62% | 0.00% | 0.00% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Pointwest Bank (main office) | West , TX | 76691 | $86.9M |
| Hewitt Branch | Hewitt , TX | 76643 | $23.6M |
| China Spring Branch | Waco , TX | 76708 | $11.3M |
| West Branch | West , TX | 76691 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 352 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 26 loans originated, $5.6M originated, across 3 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Pointwest Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Pointwest Bank
What are Pointwest Bank's total assets?
As of the Q2 2026 filing, Pointwest Bank reported total assets of $137.3 million in its FFIEC call report.
Where is Pointwest Bank headquartered?
It is headquartered in West, TX, United States.
When was Pointwest Bank founded?
It was established in 1893, per the FDIC institution directory.
Is Pointwest Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pointwest Bank?
Pointwest Bank's primary federal regulator is the FDIC.
What is Pointwest Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pointwest Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pointwest Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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 Pointwest Bank previously called?
The charter now named Pointwest Bank has also operated as West Bank & Trust (1963-2007), per FDIC structure-change records.
Go deeper on Pointwest Bank.
Get an email when Pointwest Bank files its next call report, and benchmark it against any peer you choose.
Unlock Pointwest Bank, freeFree account