Pointbank
Total assets
$1.16B
▲ +12.4% YoY
Deposits
$968.3M
▲ +12.2% YoY
Loans
$582.6M
▲ +7.0% YoY
Offices
10
PILOT POINT BCORP INC ESOP
ROA (annualized)
0.95%
peers 1.26%
ROE (annualized)
12.96%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Pointbank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +5.5% | +7.0 pts |
| Deposit growth (YoY) | +12.2% | +5.1% | +7.2 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.1 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
Profile
- Established
- 1892
- Charter
- State
- Primary regulator
- FED
- Holding company
- PILOT POINT BCORP INC ESOP
- Specialization
- Commercial Lending Specialization
- Address
- 200 S Highway 377, Pilot Point, TX, 76258
- County
- Denton
- Metro area
- Dallas-Fort Worth-Arlington, TX
- Offices
- 10
- FDIC cert #
- 3389
- RSSD ID
- 844567
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.16B | $968.3M | $582.6M | $82.5M | $5.4M | 0.95% | 3.09% | 0.90% |
| Q1 2026 | $1.14B | $993.0M | $549.9M | $84.3M | $2.5M | 0.88% | 3.15% | 0.97% |
| Q4 2025 | $1.08B | $993.9M | $562.0M | $82.3M | $12.3M | 1.17% | 3.21% | 0.05% |
| Q3 2025 | $1.09B | $905.2M | $555.1M | $78.5M | $9.4M | 1.20% | 3.13% | 0.06% |
| Q2 2025 | $1.03B | $862.9M | $544.3M | $66.9M | $6.3M | 1.23% | 3.15% | 0.05% |
| Q1 2025 | $1.02B | $901.0M | $530.4M | $68.9M | $3.2M | 1.25% | 3.11% | 0.01% |
| Q4 2024 | $1.03B | $936.9M | $536.2M | $63.5M | $10.9M | 1.04% | 2.76% | 0.02% |
| Q3 2024 | $1.03B | $927.7M | $537.8M | $73.2M | $7.4M | 0.94% | 2.69% | 0.14% |
Loan mix (Q2 2026): real estate $478.4M · commercial $67.1M · consumer $33.5M · securities $525.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Pointbank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.70% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 59.0% | 82th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Pointbank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Pointbank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Pointbank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Pointbank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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