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Pointwest Bank
West, TX · FDIC Certificate #13600 · Chartered 01/0
Total assets
$137.29M
Total deposits
$121.85M
Total equity
$13.66M
Net loans
$48.83M
Branches (offices)
4
Net income (YTD)
$1.18M
Rank: #3,409 of 4,213 U.S. banks by assets · #292 of 346 in Texas. Assets changed 4.5% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 17.49% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 9.95% |
| Tier 1 leverage ratio | 12.54% |
| Uninsured deposits (share of deposits) | 12.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 40.1% |
| Real estate loans (share of loans) | 69.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.74M | 69.1% | |
| Commercial & industrial | $3.05M | 6.2% | |
| Consumer / individual | $10.35M | 21.2% | |
| Construction & development | $2.51M | 5.1% | |
| Agricultural | $2.22M | 4.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $135.63M | $127.11M | $440.00K | $6.40M |
| Jun 2023 | $159.18M | $149.90M | $1.24M | $6.36M |
| Jun 2024 | $132.01M | $120.32M | $989.00K | $8.60M |
| Jun 2025 | $131.33M | $118.30M | $1.26M | $11.27M |
| Jun 2026 | $137.29M | $121.85M | $1.18M | $13.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $121.85M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $121.85M.
Similar-sized banks
The First Bank Of Okarche ($137.45M) · First Federal Savings Bank Of Angola ($137.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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