Headquartered in West, Texas, Pointwest Bank is a state-chartered bank with $137.3M in total assets and $121.8M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1893.
Based on its Q2 2026 filing, Pointwest Bank scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 20th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (75/100; 12.54%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 86 |
| Q1 2025 | 88 |
| Q2 2025 | 91 |
| Q3 2025 | 91 |
| Q4 2025 | 90 |
| Q1 2026 | 90 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.05% |
| Q3 2024 | 11.14% |
| Q4 2024 | 11.39% |
| Q1 2025 | 11.85% |
| Q2 2025 | 12.27% |
| Q3 2025 | 12.31% |
| Q4 2025 | 11.90% |
| Q1 2026 | 12.38% |
| Q2 2026 | 12.54% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.65% |
| Q2 2025 | 1.91% |
| Q3 2025 | 1.93% |
| Q4 2025 | 1.92% |
| Q1 2026 | 1.72% |
| Q2 2026 | 1.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $137.3M | 12.54% | 0.00% | 1.72% | 40.1% |
| Q1 2026 | 90 | $137.9M | 12.38% | 0.00% | 1.72% | 40.3% |
| Q4 2025 | 90 | $136.9M | 11.90% | 0.00% | 1.92% | 40.1% |
| Q3 2025 | 91 | $134.7M | 12.31% | 0.00% | 1.93% | 39.6% |
| Q2 2025 | 91 | $131.3M | 12.27% | 0.00% | 1.91% | 40.6% |
| Q1 2025 | 88 | $130.2M | 11.85% | 0.00% | 1.65% | 40.4% |
| Q4 2024 | 86 | $133.5M | 11.39% | 0.00% | 1.55% | 38.4% |
| Q3 2024 | 85 | $135.4M | 11.14% | 0.00% | 1.52% | 35.6% |
| Q2 2024 | 84 | $132.0M | 11.05% | 0.00% | 1.48% | 36.1% |
2,650 peers · $100 million – $1 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 Buckholts State BankBank Buckholts, TX | 96 out of 100, Very strong | $138.8M | 17.6% | 0.02% | vs |
| Texas National BankBank Sweetwater, TX | 74 out of 100, Strong | $139.1M | 11.0% | 0.00% | vs |
| First State Bank of BrownsboroBank Brownsboro, TX | 73 out of 100, Strong | $139.9M | 10.4% | 0.52% | vs |
| Peoples State BankBank Rocksprings, TX | 80 out of 100, Strong | $140.0M | 11.0% | 0.10% | vs |
| First National Bank of DublinBank Dublin, TX | 88 out of 100, Very strong | $134.2M | 12.4% | 0.10% | vs |
| Spur Security BankBank Spur, TX | 77 out of 100, Strong | $140.6M | 12.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Pointwest Bank?
Yes. Pointwest Bank is an FDIC-insured institution (FDIC certificate #13600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.0% of deposits ($14.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 32.84% (benchmark: 10%).
4 locations
Branches
Pointwest Bank lists 3 offices in 3 cities. Most locations:
- Hewitt, TX (1)
- Waco, TX (1)
- West, TX (1)
Identity & history
Profile
- Legal name
- Pointwest Bank
- Former names
- West Bank & Trust; West National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13600
- RSSD ID
- 292467
- Primary regulator
- FDIC
- Holding company
- West Bancshares Inc
- Established
- January 1, 1893
- Headquarters
- 200 W Oak St, West, TX 76691
- Website
- www.pointwestbank.com
- Employees
- 27
Quick answers
Pointwest Bank: common questions
Is Pointwest Bank FDIC insured?
Yes. Pointwest Bank is an FDIC-insured institution (FDIC certificate #13600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pointwest Bank's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pointwest Bank ever failed?
There is no failure record for FDIC certificate #13600 in the FDIC failed bank list.
How many branches does Pointwest Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educators Credit UnionCredit union Waco, TX | 99 out of 100, Very strong | $609.5M | 20.3% | 0.17% | vs |
| Genco Federal Credit UnionCredit union Waco, TX | 96 out of 100, Very strong | $494.7M | 14.3% | 0.19% | vs |
| Matagorda County Credit UnionCredit union Bay City, TX | 94 out of 100, Very strong | $36.2M | 17.4% | 0.31% | vs |
| Acadiana Medical Federal Credit UnionCredit union Lafayette, LA | 92 out of 100, Very strong | $13.5M | 25.5% | 0.00% | vs |
| Community Bank & Trust, Waco, TexasBank Waco, TX | 90 out of 100, Very strong | $649.1M | 15.5% | 0.21% | vs |
| Members Choice of Central Texas Federal Credit UnionCredit union Waco, TX | 88 out of 100, Very strong | $212.9M | 16.3% | 0.06% | vs |