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Pointbank

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

$1.2BAssets
$592.1MLoans
$968.3MDeposits
$82.5MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 55% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 20).
  • Widest gap: equity / assets trails 95% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 19 of 20).
  • Overall: at or above the peer median on 1 of 9 directional measures.

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

Non-interest income vs. expense

$6.1M$28.7MINCOMEEXPENSE
Unfavorable gap of $22.6M · efficiency ratio beats 30% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 71.82%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.73%0.68%1.15%1.86%Beats 30%14 / 20
Return on Equity10.24%7.45%10.95%14.25%Beats 40%12 / 20
Net Interest Margin2.90%2.87%3.58%4.28%Beats 30%14 / 20
Efficiency Ratio71.82%52.33%65.48%74.79%Beats 30%15 / 20
Asset Quality
Nonperforming Loans / Loans1.77%0.18%0.42%1.54%Beats 20%17 / 20
Net Charge-Offs / Loans0.07%0.00%0.02%0.14%Beats 30%15 / 20
Capital
Tier 1 Capital Ratio15.10%13.35%15.71%17.39%Beats 45%11 / 20
Total Risk-Based Capital Ratio16.35%14.55%16.02%18.64%Beats 55%9 / 20
Equity / Assets7.10%9.74%11.64%13.21%Beats 5%19 / 20
Liquidity & Funding
Loans / Deposits61.14%72.63%81.14%96.60%15th pctl17 / 20
Loans / Assets50.98%60.26%69.54%79.68%15th pctl17 / 20
Brokered Deposits / Depositsn/aNot reported for this institution