BlastPoint's Banking Scorecard
POINTWEST BANK
Micro
Specialty: Mortgage
TX
FDIC cert 13600
Designations: ✓ Community bank
West, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
POINTWEST BANK has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 18.37% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 20.16% above tier
- + Non-Interest Income / Assets 0.33% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.9M
+2.5% YoY
+1.7% QoQ
|
-$80.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$48.8M
+4.1% YoY
+2.9% QoQ
|
-$90.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$121.9M
-0.2% YoY
+1.6% QoQ
|
-$61.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.92%
+23.7% YoY
-0.8% QoQ
|
+0.84% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.24%
+7.5% YoY
-0.1% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
60.88%
-7.3% YoY
+1.2% QoQ
|
-6.85% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
40.06%
+4.4% YoY
+1.2% QoQ
|
-34.46% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.76%
+3.5% YoY
+2.6% QoQ
|
+18.37% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
29.02%
+3.7% YoY
-3.9% QoQ
|
+20.16% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.90%
+1.5% YoY
+37.8% QoQ
|
+0.33% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.76%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.02%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.90%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
40.06%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.02% · Tier avg: 8.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.76% · Tier avg: 22.39%
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
65
65th pctile
Efficiency Ratio
Current: 60.88% · Tier avg: 67.73%
36
36th pctile
Total Deposits
Current: $121.9M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $136.9M · Tier avg: $217.5M
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.06% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.06% · Tier avg: 74.53%
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
33
33th pctile
Total Assets
Current: $136.9M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $121.9M · Tier avg: $183.7M
65
65th pctile
Efficiency Ratio
Current: 60.88% · Tier avg: 67.73%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.76% · Tier avg: 22.39%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.02% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%