BlastPoint's Banking Scorecard
Pointbank
Community
Specialty: Commercial
TX
FDIC cert 3389
Pilot Point, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Pointbank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16% in Community
- - Credit Risk Growth: Bottom 18% in Community
- - Loan-to-Deposit Ratio 26.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+5.0% YoY
-0.4% QoQ
|
-$307.9M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$562.0M
+4.8% YoY
+1.2% QoQ
|
-$413.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$993.9M
+6.1% YoY
+9.8% QoQ
|
-$170.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.17%
+12.1% YoY
-2.8% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.21%
+16.1% YoY
+2.3% QoQ
|
-0.46% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
66.31%
-0.5% YoY
+2.0% QoQ
|
+3.68% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.10%
+257.3% YoY
-13.2% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
56.55%
-1.2% YoY
-7.8% QoQ
|
-26.51% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.61%
-2.0% YoY
-9.7% QoQ
|
+8.57% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.05%
+256.8% YoY
-11.7% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? |
15.50%
-0.4% YoY
+1.7% QoQ
|
+5.26% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.58%
+4.5% YoY
+31.3% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#24 of 371 · Top 6% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Quality Pressure
risk
#130 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#115 of 642 · Bottom 18% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
56.55%
(Tier avg: 83.06%, 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
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.61% · Tier avg: 21.05%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.50% · Tier avg: 10.24%
59
59th pctile
Total Deposits
Current: $993.9M · Tier avg: $1.2B
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
38
38th pctile
Total Loans
Current: $562.0M · Tier avg: $975.5M
37
37th pctile
Efficiency Ratio
Current: 66.31% · Tier avg: 62.63%
25
25th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.55% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.55% · Tier avg: 83.06%
25
25th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
37
37th pctile
Efficiency Ratio
Current: 66.31% · Tier avg: 62.63%
38
38th pctile
Total Loans
Current: $562.0M · Tier avg: $975.5M
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
59
59th pctile
Total Deposits
Current: $993.9M · Tier avg: $1.2B
80
80th pctile
Tier 1 Capital Ratio
Current: 15.50% · Tier avg: 10.24%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.61% · Tier avg: 21.05%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%