Pointwest Bank: 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.
The standout move of Q2 2026 was in Consumer: 1.13 percentage points higher than in Q1 2026, at 20.95%. Within Texas, Pointwest Bank is 299th of 346 on loan-to-deposit ratio, 40.53% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Pointwest Bank sits 40.03 points lower, at 40.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $49.4M |
| Net loans and leases | $48.8M |
| Loans held for sale | $0 |
| Loans to total assets | 35.97% |
| Loan-to-deposit ratio | 40.53% |
| Net loans to equity capital | 3.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.49% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.18% |
| Consumer | 20.95% |
| Credit cards | 0.00% |
| Farm | 7.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.04% |
| Construction concentration (Tier 1 capital + allowance) | 14.04% |
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 | 7.06% |
| Interest income on loans | $863K |
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 | $40.9M | $144.8M | 12.57% | 4.77% | 19.99% |
| Q4 2023 | $42.9M | $125.2M | 12.00% | 5.69% | 18.92% |
| Q1 2024 | $43.9M | $122.0M | 12.91% | 6.32% | 18.97% |
| Q2 2024 | $44.0M | $120.3M | 12.34% | 5.84% | 19.51% |
| Q3 2024 | $43.8M | $121.5M | 13.85% | 5.00% | 19.22% |
| Q4 2024 | $47.4M | $122.2M | 13.74% | 7.91% | 18.51% |
| Q1 2025 | $48.0M | $117.4M | 14.79% | 8.36% | 18.32% |
| Q2 2025 | $48.6M | $118.3M | 14.27% | 6.37% | 18.66% |
| Q3 2025 | $48.0M | $119.9M | 14.50% | 8.87% | 18.30% |
| Q4 2025 | $49.4M | $121.9M | 10.82% | 8.44% | 18.08% |
| Q1 2026 | $50.0M | $122.7M | 10.65% | 5.13% | 19.82% |
| Q2 2026 | $49.4M | $121.8M | 10.49% | 6.18% | 20.95% |
Pointwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pointwest Bank, 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 Pointwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13600) · FFIEC NIC profile (RSSD 292467)