# POINTWEST BANK
WEST, TX · FDIC certificate 13600 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $137.3M | |
| Deposits | $121.8M | |
| Loans and leases | $49.4M | |
| Total equity | $13.7M | |
| Loans / deposits | 40.08% (p12 of band) | 73.59% |
| Liquid assets / assets | 61.28% (p88 of band) | |
| Uninsured deposits / deposits | 11.97% (p21 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.09% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.54% (p59 of band) | 11.76% |
| Unrealized securities loss / equity | -27.00% (p16 of band) | -6.57% |
| AOCI / equity | -4.26% (p3 of band) | |
| ROA (annualized) | 1.72% (p77 of band) | 1.17% |
| Net interest margin | 4.34% (p70 of band) | 3.93% |
| Efficiency ratio | 64.75% (p47 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 68% | |
| Construction % of loans | 18.40% (p51 of band) | |
| Auto loans | $6.7M (13.56% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 27 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 2 | AOCI drag >20% of equity |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | capital falling | deposits shrinking |
| 2017-03 | 2 | deposits shrinking | capital falling |
| 2017-06 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 2 | capital falling, charge-offs p90 |  |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | NIM <2.5% | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 4 | uninsured deposits leaving |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-02-05 [Court appearance set for suspect arrested after local officer shot - KWTX](https://news.google.com/rss/articles/CBMilAFBVV95cUxPaHZ2WGlXTHpLZ0xyLWlzTWdkR1hJNjRwYXRpREJ4NnBjUFBNM0xTWVFtT2xXTTFoTFVrSVpYSjAzaHRPdjFreWxRWmM2UG56ZWlrRnhUc0JoUjJxaHI2eWdwaERhdWlRWTJnd1NEQ1VLOXFiLWNxa3prVGZVOXoxdkkzamhVYWprVlNsZERGVDBYd3BW?oc=5) · KWTX
- 2019-05-24 [Hewitt officer shot in bank robbery speaks out - KXXV](https://news.google.com/rss/articles/CBMilwFBVV95cUxQTjRQd2x4YWU5Z2QxN1BMUHRBZEZia1gtU0I2NzMxRW0yVFhBaVNPVFFYVnRmMlcwMHpORGQ1bVJNWlM4Q1NGU3JSSkw1Q3B1b0VhRHZwcTFLTWdGckEyVXJtUmFsX1FZbGdTMlBwTGJwN1V1V2JJMTJWUkhuU1N3aDhNb0g0LVkxLVpTSTN3cHpZaDN2X1hB?oc=5) · KXXV
- 2019-02-12 [Alleged gunman in Hewitt bank robbery faces several charges - KWKT - FOX 44](https://news.google.com/rss/articles/CBMirAFBVV95cUxOeHlRbnBha2dKX1hNV2l0Z1IzZzNVX1MwRDVCUXVfNFZELWMwRHp1MHJ3UE14dE12NHNqcVZpUS1UOHc0ZVNRakJuOTNETFN6b2dJMWhhNVBacWxKcmpZMXVfY1l2N3JFWE1iNTN0anU5WVRTWkg5NGd6dFJpcmZibkp2SllIdVQ4T1ItWlQyalZ2Y25nWFl2V0YwamZUdlZ0NGtxUnU3TktRTmJO0gGyAUFVX3lxTE90NTFUQ29HcE1FQ3BMYjFxT2Ric2VsV0hEU2E2ZTAtYURORmpUUjlQdDVsQk1fNTNFZXVYUVF1a19JNFBzaG1iUHlKSjM0Q2Iwcy1zOFpNYldQejZpSmRodnpKWmVEMzZnNHZhYW9mRkJmdHVMbUZuLThuSjdldU5ybGswRXdQd0VCMUd1TlltUzVDMk9fUUJOZFY4a2JITkx6RjlyZGJoenN5aDdScU9NbHc?oc=5) · KWKT - FOX 44
- 2019-06-18 [[Update: 8 more banks] Google Pay adds 57 US banks and credit unions to its already enormous support list - androidpolice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSjhTQUN1SFZQZDB1ekU5cHJlM201ckRZcllldUJhd1JxaVhqc1lnVzVQaW9jZEJ2M2dNd1ZVVjlUclhITE45eXE1N043Mk1sNkJfTW5JYmhRRy1rWEY5bU5tN1p6S1ZjbmZxTzNveDhNaVF2eGFGMUJROFhOTkIwdE5RRWkxRFN0UFlobmJNajZJcDROSmhES0c3WE1kWHhJckh2bExsc0IzaG1LWDVEYlg3amZKYWdOMFBkYzNNdVo2Zw?oc=5) · androidpolice.com
- 2019-10-31 [Waco: Man who robbed banks, shot officer, sentenced to 3 life terms - KWTX](https://news.google.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?oc=5) · KWTX
- 2019-02-05 [Bank robbery suspect arrested after officer shot in chase - Waco Tribune-Herald](https://news.google.com/rss/articles/CBMiigFBVV95cUxQM2V4RGtNcXN1SmN6R2FyUmtJUjNKalgxYkJ0dzBmM3RRR094YjJPXzB4TG1pa1FRUjhfWGs0cExwcHh2YWRjUmlONmViRHBMajk1eWVZbmVzWGlEWDRiclROZG45c1R2d1dwcWo5QVB6cVlhalpnYXFIM29IZXFIYm81YmVMMHZtb1E?oc=5) · Waco Tribune-Herald
- 2019-05-07 [Bush’s Chicken Co-Founder Loses Battle with Cancer - KTEM-AM](https://news.google.com/rss/articles/CBMie0FVX3lxTE54SklPQmQzRWpXTlFxQWVPa0MwR0hKc0lsRjFjU1FTWHpmQUdweHpFNm5XOHFoTVFYT3NfY1Nob2Jnc1ZpdnktT2lwVTc0TEJkZHlEWTdzemZDYy15ZjY0VU4tM1hQSTYwa0xPeU1UTlZjWDFDTDlSYzJqcw?oc=5) · KTEM-AM
- 2019-10-31 [Waco man sentenced to life in federal prison for armed bank robberies in Temple and Hewitt - KXXV](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOdFNtNlBpV2lBNzdWQklNaHBiMUhFaHRjaEF1NWs4bVY1dTNTSGUxdDBKOUdSYXJ5R0J6V2RvbW9FbXNaRzVfdHl6T0hRRnI1MHdiQnYwU0VzNTY5QjBqT2NScUFLU21SVEY3ZVpuRURVTEtKNTAteDU0cC15R0FHU0RIbDhHRnNRRjQ4emlJNnJBRk9GeFFIMXZBdGZKbFgyNzI3dGZ3TFFEWFBPUFhZMThxblhQQnVPZk5FWHBhQm0tU0h6d3JoaC1JU25iWF9hamc?oc=5) · KXXV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13600 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "13600", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide