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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.07% | 0.98% | 0.96% | 0.91% | 0.84% | 0.70% | 0.80% | -16 bps | |
| Return on Equity | 15.23% | 16.15% | 15.21% | 14.55% | 13.29% | 11.31% | 9.27% | 11.00% | -355 bps | |
| Net Interest Margin | 2.85% | 2.83% | 2.92% | 2.96% | 2.96% | 3.23% | 3.01% | 2.89% | -7 bps | |
| Efficiency Ratio | 63.43% | 60.76% | 65.02% | 65.22% | 64.84% | 69.84% | 73.97% | 69.66% | +445 bps | |
| Non-Interest Burden | 1.60% | 1.50% | 1.68% | 1.73% | 1.72% | 2.10% | 2.09% | 1.85% | +12 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 | 0.05% | 0.02% | 0.02% | 0.06% | 0.15% | 0.11% | 0.13% | 0.07% | +1 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 | |