Pointwest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pointwest Bank of West, TX against its peer group of 2757 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 | 1.72% | 1.25% | +0.47% | 74th above |
| ROAE | 17.50% | 12.22% | +5.28% | 77th top |
| Net Interest Margin | 4.31% | 3.95% | +0.36% | 70th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.66% | 63.71% | -0.05% | 42nd below |
| PPNR / Avg Assets | 1.80% | — | — | 62nd above |
| Yield on Earning Assets | 4.65% | 5.67% | -1.02% | 12th bottom |
| Cost of Funds | 0.39% | 1.87% | -1.48% | 99th top |
| Net Interest Spread | 4.02% | — | — | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 1.11% | — | — | 39th below |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
| Provision / NCO | 750.00% | — | — | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.83% | 17.18% | +14.65% | 93rd top |
| Tier 1 Ratio | 31.83% | 17.21% | +14.62% | 93rd top |
| Total Capital Ratio | 32.84% | — | — | 93rd top |
| Leverage Ratio | 12.54% | 11.75% | +0.79% | 70th above |
| Equity / Assets | 9.95% | 10.98% | -1.03% | 43rd below |
| TCE / Tangible Assets | 9.95% | — | — | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.53% | 80.44% | -39.91% | 96th top |
| Core Deposit Ratio | 98.59% | 86.95% | +11.64% | 97th top |
| Wholesale Funding Ratio | 1.09% | — | — | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.54% | — | — | 50th above |
| Loan Growth (Y/Y) | 1.61% | — | — | 29th below |
| Deposit Growth (Y/Y) | 3.00% | — | — | 42nd below |
See Pointwest Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pointwest Bank, 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 Pointwest Bank 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 Pointwest Bank peer analysis.