Pointwest Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 1.59 percentage points in Q2 2026, from 51.81% to 53.40%. It was the largest change from Q1 2026 among the key lines here. Pointwest Bank ranks 119th of 345 Texas banks on return on assets, in the upper half at 1.72% (Q2 2026). Pointwest Bank reported 1.72% on return on assets for Q2 2026, 0.46 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.83% |
| Tier 1 risk-based capital ratio | 31.83% |
| Total risk-based capital ratio | 32.84% |
| Tier 1 leverage ratio | 12.54% |
| Equity capital to assets | 9.95% |
| Tangible equity to tangible assets | 9.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 17.50% |
| Net interest margin | 4.31% |
| Efficiency ratio | 63.66% |
| Yield on earning assets | 4.65% |
| Cost of funds | 0.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.53% |
| Core deposits to total deposits | 98.59% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.75% |
| Securities to assets | 53.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 26.15% | 26.15% | 27.04% | 8.73% | 1.83% |
| Q4 2023 | 28.47% | 28.47% | 29.42% | 10.49% | 1.89% |
| Q1 2024 | 28.48% | 28.48% | 29.40% | 10.65% | 1.59% |
| Q2 2024 | 28.44% | 28.44% | 29.39% | 11.05% | 1.40% |
| Q3 2024 | 28.96% | 28.96% | 29.90% | 11.14% | 1.62% |
| Q4 2024 | 27.99% | 27.99% | 28.93% | 11.39% | 1.66% |
| Q1 2025 | 28.69% | 28.69% | 29.63% | 11.85% | 1.67% |
| Q2 2025 | 28.94% | 28.94% | 29.91% | 12.27% | 2.21% |
| Q3 2025 | 30.21% | 30.21% | 31.19% | 12.31% | 2.01% |
| Q4 2025 | 29.02% | 29.02% | 29.95% | 11.90% | 1.84% |
| Q1 2026 | 30.82% | 30.82% | 31.77% | 12.38% | 1.72% |
| Q2 2026 | 31.83% | 31.83% | 32.84% | 12.54% | 1.72% |
Pointwest Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pointwest Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)