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POINTWEST BANK

$100M-$1B Specialty: Mortgage TX FDIC cert 13600

West, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +3.0% year over year ($121.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.72%.
  • Efficiency ratio 64.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 40.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

POINTWEST BANK has 6 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 29.3% in tier
  • + Revenue Diversifier: Top 43.4% in tier
  • + Non-Interest-Bearing Deposit Share 19.05% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 47.0% in tier
  • - Margin Compression: Bottom 69.7% in tier
  • - Efficiency Ratio 0.27% above tier average
Get updates when POINTWEST BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $137.3M
+4.5% YoY -0.4% QoQ
-$249.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 10.2% in tier
Total Loans ? $48.8M
+1.6% YoY -1.3% QoQ
-$209.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 2.8% in tier
Total Deposits ? $121.8M
+3.0% YoY -0.7% QoQ
-$204.9M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 12.6% in tier
Return on Assets ? 1.72%
-9.8% YoY +0.4% QoQ
+0.40% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 4.34%
+3.3% YoY +0.9% QoQ
+0.35% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 64.75%
+8.1% YoY -1.0% QoQ
+0.27% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 40.08%
-1.4% YoY -0.6% QoQ
-37.88% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 4.2% in tier
Non-Interest-Bearing Deposit Share ? 41.08%
+4.0% YoY -0.8% QoQ
+19.05% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 3.9% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 31.83%
+10.0% YoY +3.3% QoQ
+15.92% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 3.4% in tier
Non-Interest Income / Assets ? 0.45%
+3.2% YoY +103.9% QoQ
-0.12% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 11.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 41.1%
+1.6pp YoY
-0.3pp QoQ
 +18.9pp 22.1% 29.2% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 6.2%
-0.2pp YoY
+1.1pp QoQ
 -5.3pp 11.6% 14.8% 12.5% 27%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 46.0%
-0.4pp YoY
+0.4pp QoQ
 +13.4pp 32.6% 25.8% 31.3% 78%
Consumer 21.2%
+2.3pp YoY
+1.2pp QoQ
 +17.1pp 4.1% 4.7% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 31.8%
+2.9pp YoY
+1.0pp QoQ
 +13.0pp 18.8% 22.7% 19.7% 94%
Leverage Ratio 12.5%
+0.3pp YoY
+0.2pp QoQ
 +0.4pp 12.2% 12.6% 12.6% 70%
Total Capital Ratio 32.8%
+2.9pp YoY
+1.1pp QoQ
 +12.9pp 19.9% 23.8% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 27
-3 (-10.0%) YoY
0 QoQ
 -32 58 186 482 22%
Assets per Employee ($) $5.1M
+16.2% YoY
-0.4% QoQ
 -$2.4M $7.5M $10.1M $8.8M 16%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 50%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 17.5%
-6.8pp YoY
0.0pp QoQ
 +5.3pp 12.2% 13.2% 11.6% 80%
Cost of Funds (YTD) 0.3%
0.0pp YoY
0.0pp QoQ
 -1.4pp 1.7% 1.6% 1.7% 1%
Net Income ($, YTD) $1.2M
-5.9% YoY
— QoQ
 -$1.4M $2.6M $15.9M $40.4M 32%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#194 of 659 • Top 29.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#288 of 661 • Top 43.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.45%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.72%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk
#350 of 742 • Bottom 47.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 31.83%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 40.08%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Margin Compression

decline
#215 of 307 • Bottom 69.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.72%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
92
Tier 1 Capital Ratio
capital
Value: 31.83%
Peer Median: 15.91%
#92 of 2643 Top 3.4% in $100M-$1B
105
Non-Interest-Bearing Deposit Share
funding
Value: 41.08%
Peer Median: 22.03%
#105 of 2643 Top 3.9% in $100M-$1B
112
Loan-to-Deposit Ratio
liquidity
Value: 40.08%
Peer Median: 77.95%
#112 of 2643 Top 4.2% in $100M-$1B
304
Non-Interest Income / Assets
revenue_mix
Value: 0.45%
Peer Median: 0.57%
#304 of 2643 Top 11.5% in $100M-$1B
614
Return on Assets
profitability
Value: 1.72%
Peer Median: 1.32%
#614 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (3 metrics)

2571
Total Loans
size
Value: $48.83M
Peer Median: $258.35M
#2571 of 2643 Bottom 2.8% in $100M-$1B
2375
Total Assets
size
Value: $137.29M
Peer Median: $386.57M
#2375 of 2643 Bottom 10.2% in $100M-$1B
2311
Total Deposits
size
Value: $121.85M
Peer Median: $326.73M
#2311 of 2643 Bottom 12.6% in $100M-$1B
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