Pointbank is a state-chartered bank (fed member) headquartered in Pilot Point, Texas, in business for about 134 years. At the end of Q2 2026 it reported $1.2B in total assets and $968.3M in deposits, with 10 offices.
Pointbank has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 321st. Funding & liquidity contributes the most (78/100, 60% loans-to-deposits, 35% uninsured); capital cushion contributes the least (40/100, 8.99%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 20 points (73 → 53), mostly because the loan quality component weakened by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 68 |
| Q4 2024 | 72 |
| Q1 2025 | 74 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 51 |
| Q2 2026 | 53 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.86% |
| Q3 2024 | 9.33% |
| Q4 2024 | 9.48% |
| Q1 2025 | 9.60% |
| Q2 2025 | 9.56% |
| Q3 2025 | 9.30% |
| Q4 2025 | 9.35% |
| Q1 2026 | 9.17% |
| Q2 2026 | 8.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.10% |
| Q1 2026 | 1.98% |
| Q2 2026 | 1.77% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.94% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.17% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $1.2B | 8.99% | 1.77% | 0.95% | 60.2% |
| Q1 2026 | 51 | $1.1B | 9.17% | 1.98% | 0.88% | 55.4% |
| Q4 2025 | 72 | $1.1B | 9.35% | 0.10% | 1.17% | 56.6% |
| Q3 2025 | 72 | $1.1B | 9.30% | 0.12% | 1.20% | 61.3% |
| Q2 2025 | 73 | $1.0B | 9.56% | 0.10% | 1.23% | 63.1% |
| Q1 2025 | 74 | $1.0B | 9.60% | 0.03% | 1.25% | 58.9% |
| Q4 2024 | 72 | $1.0B | 9.48% | 0.03% | 1.04% | 57.2% |
| Q3 2024 | 68 | $1.0B | 9.33% | 0.26% | 0.94% | 58.0% |
| Q2 2024 | 52 | $1.0B | 8.86% | 1.59% | 0.80% | 55.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of BastropBank Bastrop, TX | 77 out of 100, Strong | $1.2B | 11.6% | 0.33% | vs |
| Security State BankBank Pearsall, TX | 74 out of 100, Strong | $1.1B | 10.7% | 0.00% | vs |
| Dallas Capital Bank, National AssociationBank Dallas, TX | 68 out of 100, Moderate | $1.2B | 11.3% | 0.00% | vs |
| Texas National BankBank Mcallen, TX | 70 out of 100, Strong | $1.2B | 10.2% | 0.28% | vs |
| Citizens State BankBank Somerville, TX | 66 out of 100, Moderate | $1.2B | 12.9% | 1.99% | vs |
| T Bank, National AssociationBank Dallas, TX | 45 out of 100, Below average | $1.1B | 10.7% | 2.89% | vs |
Deposit insurance
Is my money safe at Pointbank?
Yes. Pointbank is an FDIC-insured institution (FDIC certificate #3389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.0% of deposits ($339.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.35% (benchmark: 10%).
10 locations
Branches
Pointbank lists 9 offices in 7 cities. Most locations:
- Denton, TX (3)
- Argyle, TX (1)
- Aubrey, TX (1)
- Flower Mound, TX (1)
- Lewisville, TX (1)
- Little Elm, TX (1)
- Pilot Point, TX (1)
HMDA 2025
Mortgage lending
In 2025, Pointbank reported 78 home-loan applications under HMDA (LEI 549300JODTD5ROHSII79): 46 originated ($35,580,000 total), 12 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Pointbank
- Former names
- The Pilot Point National Bank; Pointbank, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 3389
- RSSD ID
- 844567
- Primary regulator
- FED
- Holding company
- Pilot Point Bcorp Inc Esop
- Established
- July 13, 1892
- Headquarters
- 200 S Highway 377, Pilot Point, TX 76258
- Website
- www.pointbank.com
- Employees
- 118
Quick answers
Pointbank: common questions
Is Pointbank FDIC insured?
Yes. Pointbank is an FDIC-insured institution (FDIC certificate #3389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pointbank's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pointbank ever failed?
There is no failure record for FDIC certificate #3389 in the FDIC failed bank list.
How many branches does Pointbank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pilot Point
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Muenster State BankBank Muenster, TX | 98 out of 100, Very strong | $227.0M | 14.8% | 0.00% | vs |
| Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA | 96 out of 100, Very strong | $58.2M | 22.0% | 0.33% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |
| Safe 1 Credit UnionCredit union Bakersfield, CA | 90 out of 100, Very strong | $1.2B | 16.0% | 0.37% | vs |
| Datcu Credit UnionCredit union Denton, TX | 89 out of 100, Very strong | $1.8B | 17.2% | 0.13% | vs |
| Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY | 89 out of 100, Very strong | $147.4M | 15.2% | 0.95% | vs |