Pointbank
Pilot Point, Texas · FDIC Cert #3389
Pointbank is an FDIC-insured bank (Certificate #3389) with $1.0B in total assets and $962M in total deposits as of the Q2 2024 Call Report. Headquartered in Pilot Point, Texas, the bank maintains a Tier 1 capital ratio of 14.63% (Well-Capitalized) and a nonperforming loan ratio of 1.59%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Pointbank (FDIC cert 3389) is a mid-sized bank with $1.0B in total assets and $962M in deposits, based in Pilot Point, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.63% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.59% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 46.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.80% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Pointbank carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Pointbank
- Total Assets
- $1.0B
- Total Deposits
- $962M
- Tier 1 Capital Ratio
- 14.63%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.59%
- Liquidity Ratio
- 46.10%
- Return on Assets
- 0.80%
- Headquarters
- Pilot Point, Texas
- FDIC Certificate
- #3389
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Pointbank holds a Tier 1 capital ratio of 14.63%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Pointbank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Pointbank shows strong financial health indicators. With $1.0B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Pointbank Compares
Pointbank’s Health Score of 85 is 11 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 14.63% Tier 1 capital ratio is 0.6 points above the US banking industry average near 14%. The 1.59% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.80% is below the national ROA benchmark of ~1.1%. Among 1014 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Pointbank is 15 points above the portfolio average of 70.
Frequently Asked Questions
Pointbank has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.63%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Pointbank's Tier 1 capital ratio of 14.63% and nonperforming loan ratio of 1.59% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Pointbank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3389). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Pointbank holds $1.0B in total assets and $962M in total deposits. It is headquartered in Pilot Point, Texas (FDIC Certificate #3389).
Pointbank has a Tier 1 capital ratio of 14.63%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.59%, and the return on assets is 0.80%.
Yes. Pointbank is FDIC-insured (Certificate #3389). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Pointbank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.