BlastPoint's Banking Scorecard

Pointbank

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

Designations: ✓ Community bank

Pilot Point, TX

10 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Pointbank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 15.5% in tier
- Cost Spiral: Bottom 87.1% in tier
- Delinquency Rate 1.12% above tier average
- Net Interest Margin 0.67% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.1B +11.5% YoY +5.2% QoQ	-$1.7B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 12.1% in tier
Total Loans ?	$549.9M +3.7% YoY -2.2% QoQ	-$1.4B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 3.6% in tier
Total Deposits ?	$993.0M +10.2% YoY -0.1% QoQ	-$1.4B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 14.5% in tier
Return on Assets ?	0.88% -29.0% YoY -24.3% QoQ	-0.48%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.15% +1.2% YoY -1.7% QoQ	-0.67%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	73.97% +13.8% YoY +11.6% QoQ	+12.91%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	2.01%	+1.12%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 9.5% in tier
Loan-to-Deposit Ratio ?	55.37% -5.9% YoY -2.1% QoQ	-28.83%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 5.4% in tier
Non-Interest-Bearing Deposit Share ?	27.27% -11.5% YoY -7.9% QoQ	+5.98%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.97%	+0.29%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	15.57% -0.7% YoY +0.4% QoQ	+0.41%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.13% -19.9% YoY -77.0% QoQ	-0.13%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	45%

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$250B+

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

#14 of 84 • Bottom 15.5% 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: 0.88%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#28 of 31 • Bottom 87.1% 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: 73.97%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

31 of 31 Mid-Market banks match · 176 nationally

↑ Growing +82 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 55.37%

Peer Median: 84.20%

#49 of 884 Top 5.4% in $1B-$10B

198

Tier 1 Capital Ratio

capital

Value: 15.57%

Peer Median: 15.16%

#198 of 884 Top 22.3% in $1B-$10B

203

Non-Interest-Bearing Deposit Share

funding

Value: 27.27%

Peer Median: 21.29%

#203 of 884 Top 22.9% in $1B-$10B

Top Weaknesses (7 metrics)

853

Total Loans

size

Value: $549.86M

Peer Median: $1.96B

#853 of 884 Bottom 3.6% in $1B-$10B

797

Delinquency Rate

credit_quality

Value: 2.01%

Peer Median: 0.89%

#797 of 880 Bottom 9.5% in $1B-$10B

778

Total Assets

size

Value: $1.14B

Peer Median: $2.82B

#778 of 884 Bottom 12.1% in $1B-$10B

757

Total Deposits

size

Value: $993.00M

Peer Median: $2.34B

#757 of 884 Bottom 14.5% in $1B-$10B

743

Efficiency Ratio

profitability

Value: 73.97%

Peer Median: 61.06%

#743 of 884 Bottom 16.1% in $1B-$10B

696

Nonperforming Asset Ratio

credit_quality

Value: 0.97%

Peer Median: 0.67%

#696 of 884 Bottom 21.4% in $1B-$10B

686

Net Interest Margin

profitability

Value: 3.15%

Peer Median: 3.82%

#686 of 884 Bottom 22.5% in $1B-$10B