Pilot Point, TX · Cert 3389 · Pilot Point Bcorp Inc. Esop
State charter, Fed member · FED · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
25
Profitability
33
Liquidity
34
Efficiency
30
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pilot Point, TX · Cert 3389 · Pilot Point Bcorp Inc. Esop
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #48 of 166 inst. · $1.0B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.82% | 0.98% | 0.97% | 0.94% | 0.92% | 0.70% | 0.75% | -22 bps | |
| Return on Equity | 12.65% | 13.90% | 15.21% | 15.01% | 14.20% | 13.47% | 9.27% | 10.17% | -484 bps | |
| Net Interest Margin | 2.60% | 2.65% | 2.92% | 2.93% | 2.90% | 2.95% | 3.01% | 2.90% | -3 bps | |
| Efficiency Ratio | 68.76% | 66.62% | 65.02% | 65.12% | 65.02% | 66.31% | 73.97% | 71.82% | +671 bps | |
| Non-Interest Burden | 1.63% | 1.59% | 1.68% | 1.70% | 1.68% | 1.77% | 2.09% | 1.94% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | -5.39% | -3.92% | 0.39% | 5.72% | 4.96% | 11.51% | 12.43% | +1,204 bps | |
| Loan Growth (YoY) | 6.11% | 0.20% | -1.96% | 1.46% | 3.14% | 4.78% | 3.66% | 7.10% | +565 bps | |
| Deposit Growth (YoY) | -4.29% | -8.96% | -9.80% | -10.34% | -2.42% | 6.08% | 10.22% | 12.22% | +2,257 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.03% | 0.03% | 0.10% | 0.12% | 0.10% | 1.98% | 1.77% | +166 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.20% | 0.02% | 0.04% | 0.08% | 0.08% | 0.13% | 0.10% | +6 bps | |
| Allowance / Loans | 1.59% | 1.56% | 1.58% | 1.54% | 1.52% | 1.51% | 1.56% | 1.59% | +5 bps | |
| Allowance Coverage of NPLs | 6.2x | 54.1x | 56.4x | 15.2x | 12.8x | 14.7x | 0.8x | 0.9x | -14.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.33% | 9.48% | 9.60% | 9.56% | 9.30% | 9.35% | 9.17% | 8.99% | -56 bps | |
| Total Risk-Based Capital | 16.43% | 16.81% | 16.93% | 16.75% | 16.50% | 16.75% | 16.82% | 16.35% | -40 bps | |
| Equity / Assets | 7.11% | 6.15% | 6.74% | 6.47% | 7.22% | 7.59% | 7.40% | 7.10% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.91% | 58.14% | 59.81% | 64.07% | 62.27% | 57.42% | 56.25% | 61.14% | -292 bps | |
| Liquid Assets / Assets | 1.72% | 1.81% | 1.38% | 1.00% | 3.43% | 2.37% | 1.11% | 1.60% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 302% | 306% | n/a | n/a | |
Pilot Point, TX · Cert 3389 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Pilot Point Bcorp Inc. Esop
State charter, Fed member · FED · 9 branches
Q2 2026
Return on Assets
0.73%
Rank 14 of 20
Net Interest Margin
2.90%
Rank 14 of 20
Efficiency Ratio
71.82%
Rank 15 of 20
Equity / Assets
7.10%
Rank 19 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.68% | 1.15% | 1.86% | Beats 30% | 14 / 20 | ||
| Return on Equity | 10.24% | 7.45% | 10.95% | 14.25% | Beats 40% | 12 / 20 | ||
| Net Interest Margin | 2.90% | 2.87% | 3.58% | 4.28% | Beats 30% | 14 / 20 | ||
| Efficiency Ratio | 71.82% | 52.33% | 65.48% | 74.79% | Beats 30% | 15 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.77% | 0.18% | 0.42% | 1.54% | Beats 20% | 17 / 20 | ||
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.02% | 0.14% | Beats 30% | 15 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.10% | 13.35% | 15.71% | 17.39% | Beats 45% | 11 / 20 | ||
| Total Risk-Based Capital Ratio | 16.35% | 14.55% | 16.02% | 18.64% | Beats 55% | 9 / 20 | ||
| Equity / Assets | 7.10% | 9.74% | 11.64% | 13.21% | Beats 5% | 19 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.14% | 72.63% | 81.14% | 96.60% | 15th pctl | 17 / 20 | ||
| Loans / Assets | 50.98% | 60.26% | 69.54% | 79.68% | 15th pctl | 17 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||