BlastPoint's Banking Scorecard

Pointbank

$1B-$10B Specialty: Commercial TX FDIC cert 3389

Designations: ✓ Community bank

Pilot Point, TX

10 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +12.2% year over year ($968.3M on the books).
Delinquency rate 1.79%.
Return on assets 0.95%.
Efficiency ratio 71.82% vs a 59.73% peer average.
Loan-to-deposit ratio 60.17% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Pointbank has 1 strength but faces 4 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

+ Loan-to-Deposit Ratio 24.87% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 22.3% in tier
- Cost Spiral: Bottom 71.0% in tier
- Net Interest Margin 0.78% below tier average
- Delinquency Rate 0.93% above tier average

Get updates when Pointbank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.2B +12.4% YoY +1.9% QoQ	-$1.6B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 14.1% in tier
Total Loans ?	$582.6M +7.0% YoY +6.0% QoQ	-$1.4B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 4.1% in tier
Total Deposits ?	$968.3M +12.2% YoY -2.5% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 12.9% in tier
Return on Assets ?	0.95% -22.6% YoY +7.9% QoQ	-0.44%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.09% -1.7% YoY -1.9% QoQ	-0.78%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	71.82% +10.3% YoY -2.9% QoQ	+12.09%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	1.79% -10.7% QoQ	+0.93%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 11.2% in tier
Loan-to-Deposit Ratio ?	60.17% -4.6% YoY +8.7% QoQ	-24.87%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 7.3% in tier
Non-Interest-Bearing Deposit Share ?	29.53% -10.5% YoY +8.3% QoQ	+8.26%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	0.90% -7.1% QoQ	+0.23%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	25%
Tier 1 Capital Ratio ?	15.10% -2.6% YoY -3.0% QoQ	+0.26%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.26% -16.2% YoY +98.5% QoQ	-0.26%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	43%

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	29.5% -3.5pp YoY +2.3pp QoQ	+8.2pp	21.4%	29.2%	22.2%	84%
Brokered Deposits	3.5% +0.5pp YoY 0.0pp QoQ	-5.9pp	9.5%	8.0%	8.5%	38%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	11.5% -6.7pp YoY -0.7pp QoQ	-2.5pp	14.0%	14.8%	12.5%	52%
CRE	59.7% +4.2pp YoY +1.8pp QoQ	+9.6pp	50.0%	48.4%	41.4%	75%
1-4 Family	21.1% +1.2pp YoY -1.7pp QoQ	-5.4pp	26.4%	25.8%	31.3%	44%
Consumer	5.7% +0.5pp YoY +0.3pp QoQ	+1.0pp	4.7%	4.7%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	15.1% -0.4pp YoY -0.5pp QoQ	-0.5pp	15.6%	22.7%	19.7%	70%
Leverage Ratio	9.0% -0.6pp YoY -0.2pp QoQ	-2.3pp	11.3%	12.6%	12.6%	11%
Total Capital Ratio	16.4% -0.4pp YoY -0.5pp QoQ	-0.3pp	16.7%	23.8%	20.8%	71%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	118 +10 (+9.3%) YoY +10 (+9.3%) QoQ	-196	313	186	482	13%
Assets per Employee ($)	$9.8M +2.9% YoY -6.8% QoQ	-$639K	$10.5M	$10.1M	$8.8M	64%
Branch Count	10 0 YoY 0 QoQ	-10	20	12	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	1.8% +1.7pp YoY -0.2pp QoQ	+1.0pp	0.8%	1.0%	1.0%	90%
Allowance Coverage	0.90x -94.1% YoY +14.2% QoQ	-17.81x	18.71x	18.82x	20.23x	20%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.0% -6.1pp YoY +1.2pp QoQ	+0.4pp	12.6%	13.2%	11.6%	56%
Cost of Funds (YTD)	2.0% -0.1pp YoY +0.1pp QoQ	0.0pp	1.9%	1.6%	1.7%	54%
Net Income ($, YTD)	$5.4M -15.1% YoY — QoQ	-$13.9M	$19.2M	$15.9M	$40.4M	13%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#20 of 85 • Bottom 22.3% 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: 0.95%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk

#23 of 31 • Bottom 71.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 71.82%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 60.17%

Peer Median: 85.04%

#66 of 885 Top 7.3% in $1B-$10B

145

Non-Interest-Bearing Deposit Share

funding

Value: 29.53%

Peer Median: 21.27%

#145 of 885 Top 16.3% in $1B-$10B

Top Weaknesses (7 metrics)

850

Total Loans

size

Value: $582.64M

Peer Median: $1.96B

#850 of 885 Bottom 4.1% in $1B-$10B

784

Delinquency Rate

credit_quality

Value: 1.79%

Peer Median: 0.87%

#784 of 882 Bottom 11.2% in $1B-$10B

772

Total Deposits

size

Value: $968.35M

Peer Median: $2.32B

#772 of 885 Bottom 12.9% in $1B-$10B

761

Total Assets

size

Value: $1.16B

Peer Median: $2.79B

#761 of 885 Bottom 14.1% in $1B-$10B

728

Efficiency Ratio

profitability

Value: 71.82%

Peer Median: 59.73%

#728 of 885 Bottom 17.9% in $1B-$10B

723

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.87%

#723 of 885 Bottom 18.4% in $1B-$10B

665

Nonperforming Asset Ratio

credit_quality

Value: 0.90%

Peer Median: 0.67%

#665 of 885 Bottom 25.0% in $1B-$10B