Side-by-side · Q2 2026 data
Pointbank vs T Bank, National Association
Metric by metric
| Measure | Pointbank | T Bank, National Association |
|---|---|---|
| TellerScore | 53 (stronger) | 45 |
| Capital cushion | 40 | 57 (stronger) |
| Loan quality | 41 (stronger) | 4 |
| Earnings | 58 | 69 (stronger) |
| Funding & liquidity | 78 (stronger) | 52 |
| Problem-loan coverage | 77 (stronger) | 52 |
| Peer percentile | 11th | 4th |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $968.3M | $955.6M |
| Capital ratio | 8.99% | 10.67% (stronger) |
| Problem loans | 1.77% (stronger) | 2.89% |
| Net charge-offs | 0.10% (stronger) | 0.34% |
| Return on assets | 0.95% | 1.22% (stronger) |
| Loans ÷ deposits | 60.2% (stronger) | 95.1% |
| Uninsured deposits | 35.0% | 27.3% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
Pointbank has the higher TellerScore (53 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Pointbank leads on 4 and T Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.