Side-by-side · Q2 2026 data
Pointwest Bank vs Community Bank & Trust, Waco, Texas
Metric by metric
| Measure | Pointwest Bank | Community Bank & Trust, Waco, Texas |
|---|---|---|
| TellerScore | 90 | 90 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 89 (stronger) | 64 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 95th | 95th |
| Total assets | $137.3M | $649.1M |
| Deposits / shares | $121.8M | $562.6M |
| Capital ratio | 12.54% | 15.45% (stronger) |
| Problem loans | 0.00% (stronger) | 0.21% |
| Net charge-offs | 0.02% (stronger) | 0.58% |
| Return on assets | 1.72% (stronger) | 1.11% |
| Loans ÷ deposits | 40.1% (stronger) | 66.2% |
| Uninsured deposits | 12.0% (stronger) | 17.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Pointwest Bank leads on 5 and Community Bank & Trust, Waco, Texas on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.