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Pointbank
Pilot Point, TX · FDIC Certificate #3389 · Chartered 07/1
Total assets
$1.16B
Total deposits
$968.35M
Total equity
$82.50M
Net loans
$582.64M
Branches (offices)
9
Net income (YTD)
$5.38M
Rank: #920 of 4,213 U.S. banks by assets · #81 of 346 in Texas. Assets changed 12.4% and deposits 12.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 12.96% |
| Net interest margin (YTD) | 3.09% |
| Equity to assets | 7.10% |
| Tier 1 leverage ratio | 8.99% |
| Uninsured deposits (share of deposits) | 35.0% |
| Noncurrent loans (share of loans) | 1.77% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 60.2% |
| Real estate loans (share of loans) | 82.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $478.35M | 82.1% | |
| Commercial & industrial | $67.13M | 11.5% | |
| Consumer / individual | $33.49M | 5.7% | |
| Construction & development | $116.33M | 20.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $852.09M | $806.70M | $4.72M | $40.95M |
| Jun 2023 | $1.01B | $966.56M | $5.45M | $40.80M |
| Jun 2024 | $1.03B | $962.42M | $4.24M | $59.54M |
| Jun 2025 | $1.03B | $862.88M | $6.34M | $66.85M |
| Jun 2026 | $1.16B | $968.35M | $5.38M | $82.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $968.35M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $968.35M.
Similar-sized banks
Northstar Bank ($1.16B) · Katahdin Trust Company ($1.16B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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