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POINTWEST BANK

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

West, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

POINTWEST BANK has 6 strengths but faces 2 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 31.5% in tier
  • + Revenue Diversifier: Top 42.2% in tier
  • + Non-Interest-Bearing Deposit Share 19.41% above tier average
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + ROA 0.45% above tier average
  • + Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 43.7% in tier
  • - Efficiency Ratio 0.13% above tier average
Get updates when POINTWEST BANK releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $137.9M
+5.9% YoY +0.7% QoQ
-$248.2M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
Bottom 10.5% in tier
Total Loans ? $49.5M
+4.2% YoY +1.3% QoQ
-$206.2M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
Bottom 2.9% in tier
Total Deposits ? $122.7M
+4.6% YoY +0.7% QoQ
-$205.2M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
Bottom 12.7% in tier
Return on Assets ? 1.72%
+3.9% YoY -10.6% QoQ
+0.45% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
78%
Net Interest Margin ? 4.30%
+3.5% YoY +1.2% QoQ
+0.37% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
73%
Efficiency Ratio ? 65.42%
-0.3% YoY +7.5% QoQ
+0.13% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
43%
Delinquency Rate ? 0.00% -0.89% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 40.31%
-0.3% YoY +0.6% QoQ
-36.33% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
Top 4.6% in tier
Non-Interest-Bearing Deposit Share ? 41.43%
+8.6% YoY +1.6% QoQ
+19.41% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
Top 3.9% in tier
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 30.82%
+7.4% YoY +6.2% QoQ
+14.99% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
Top 3.5% in tier
Non-Interest Income / Assets ? 0.22%
+1.5% YoY -75.5% QoQ
-0.06% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
Top 11.6% in tier

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
#210 of 664 • Top 31.5% 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: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#282 of 666 • Top 42.2% 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: 0.22%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 1.72%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#324 of 739 • Bottom 43.7% 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: 30.82%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 40.31%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
95
Tier 1 Capital Ratio
capital
Value: 30.82%
Peer Median: 15.83%
#95 of 2664 Top 3.5% in $100M-$1B
104
Non-Interest-Bearing Deposit Share
funding
Value: 41.43%
Peer Median: 22.02%
#104 of 2664 Top 3.9% in $100M-$1B
123
Loan-to-Deposit Ratio
liquidity
Value: 40.31%
Peer Median: 76.64%
#123 of 2664 Top 4.6% in $100M-$1B
310
Non-Interest Income / Assets
revenue_mix
Value: 0.22%
Peer Median: 0.28%
#310 of 2664 Top 11.6% in $100M-$1B
577
Return on Assets
profitability
Value: 1.72%
Peer Median: 1.27%
#577 of 2664 Top 21.6% in $100M-$1B

Top Weaknesses (3 metrics)

2587
Total Loans
size
Value: $49.47M
Peer Median: $255.72M
#2587 of 2664 Bottom 2.9% in $100M-$1B
2386
Total Assets
size
Value: $137.90M
Peer Median: $386.08M
#2386 of 2664 Bottom 10.5% in $100M-$1B
2326
Total Deposits
size
Value: $122.74M
Peer Median: $327.97M
#2326 of 2664 Bottom 12.7% in $100M-$1B
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