# POINTBANK
PILOT POINT, TX · FDIC certificate 3389 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $1.16B | |
| Deposits | $968.3M | |
| Loans and leases | $592.1M | |
| Total equity | $82.5M | |
| Loans / deposits | 60.17% (p8 of band) | 87.10% |
| Liquid assets / assets | 47.77% (p94 of band) | |
| Uninsured deposits / deposits | 35.01% (p61 of band) | 30.76% |
| Brokered deposits | 2.95% | |
| Wholesale funding | 11.82% (p71 of band) | |
| FHLB advances / assets | 8.87% | |
| Tier 1 leverage | 8.99% (p12 of band) | 10.50% |
| Unrealized securities loss / equity | -27.20% (p11 of band) | -7.75% |
| AOCI / equity | -2.88% (p2 of band) | |
| ROA (annualized) | 0.95% (p27 of band) | 1.26% |
| Net interest margin | 3.09% (p19 of band) | 3.70% |
| Efficiency ratio | 71.82% (p82 of band) | |
| Noncurrent loans | 1.77% (p89 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p63 of band) | |
| Reserve coverage of noncurrent | 90.21% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 141.01% (p96 of band) | |
| Auto loans | $21.8M (3.68% of loans; DQ 0.47%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 12.2% | |
| Employees | 118 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 1 | capital falling | construction >100% equity |
| 2017-09 | 1 | construction >100% equity | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | construction >100% equity |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, construction >100% equity |  |
| 2022-06 | 5 | securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 4 |  | charge-offs p90 |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 3 | AOCI drag >20% of equity | capital falling |
| 2023-12 | 3 | uninsured deposits >50% | AOCI drag >20% of equity |
| 2024-03 | 4 | NIM <2.5%, charge-offs p90 | uninsured deposits >50% |
| 2024-06 | 3 | noncurrent p90 | NIM <2.5%, charge-offs p90 |
| 2024-09 | 3 | uninsured deposits leaving | noncurrent p90 |
| 2024-12 | 5 | deposits shrinking, assets shrinking |  |
| 2025-03 | 4 |  | assets shrinking |
| 2025-06 | 4 |  |  |
| 2025-09 | 2 | capital falling | securities losses >30% of equity, uninsured deposits leaving, deposits shrinking |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 3 | capital falling | noncurrent p90 |

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

- 2024-11-08 [PointBank Celebrates 140 Years of History - Denton County Office of History and Culture: Blog](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPblZRMml1eU1oRUMwazZlLUFtYWs1Qjk5T0QzSUtqSHIyY283RlgxVndHQ0cwb1BUaXBkQzJiTElIUkVjTEwzNXBqeUdhYV9CYTNFTEVVMWNzZmM1V0d3aWlVUXVPMGhZWmN4eEVDQzl4LUppek5GUFJrbHFDdkZGdDlKbW4wTWJzaVd0b3Q5OVA0UGZDVHJNbDhxN0hrVFZoVFRkcjJFNTc?oc=5) · Denton County Office of History and Culture: Blog
- 2024-07-11 [PointBank celebrating 140th anniversary - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOYXRyeDJhUWZTWkVfTlZyZmhkWXBYUC16eTJhcVVQQWtiM01aN3A1ZUtvMlB2bHZaS05kOVU0ZTFtZmtSOFdGLUo3aU8teG9USGpsZXhPby1kLUN2Zkx4SThDY3pTX2hWTjdyVnJ5QXZNSXRKSnN0ekcxbnhZZndEb1lMd1VMMkFwYVdWdzZud2g?oc=5) · crosstimbersgazette.com
- 2021-12-09 [Community and Regional Banks embrace digital transformation by selecting FIS - IBS Intelligence](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcGJISHA4Q1B2cTlJUDlvdDAyZ1puMWxYOTB6anZZd2ZncGJkdk0wYTgxeEdSeWUxT0puV05xa3dzUThZQ2Q1bU1ZQnJwS3VPbGxDWWY5dWdJNGwxbmZFY0huSmhTVV95cTVseVByQnN3YUdDVGR3a2VjMjQ2NS1RZ0wxcXVudXpQZUFpaS1hTEtPQlU5NmpiRmZ2NTNxdmNtY01JLWR3S3Z4WWhoNDJ2Ujl6SlFMdw?oc=5) · IBS Intelligence
- 2019-10-18 [Banker wears many hats - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1DM3lTWE1FSWZLRDZXYVdIX1VGVThBME9VYVpTZDIyWUxVblJ2VV8tRXV2Y0RQMV9WSGlmQTJsS1MxRVl5OXRQZTdVY1BzOXNVUlBPc3ZDTG9nRWpzWnZkeWJjdVoxak9XZEVoQ2VjRXg2Qi10THdsbnJB?oc=5) · crosstimbersgazette.com
- 2020-09-05 [PointBank recognized by Mastercard for community support - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMDRfMUZTQXJYak9fUUY4Z1BVN25FX0FSMzV1TGZlSFVZRWd0QUI4aGwtenVtVlp1UEJLWFJLYU9oMVJrRUdkOHBVS243SWVoaXE4dzNzeVNJZk9jUEhYTmhwZ2ZqczY3NVRteFZ2NWhKNEZTSEVQT18tWmpMektsVFoyNXhCX2dLNXloSTNhMURzOEtUQk1lX25EdGVfd1ZSWExJSkN5WQ?oc=5) · crosstimbersgazette.com
- 2025-12-04 [Argyle’s plan for park on Hwy 377 to be named after influential Argyle banker - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQZWhvU1FyWlFhSGRNZWkzdUdQZ3dDYVZlTTRwUDN4NGMtUE5wdmhESU9EZEdfUUtzbGlmQkZRSDRmUTFlenF1NUIxRFRKT09kWC1MVU14YWNubHRHWm44cmFqMlJsNGYzUzhIbFgzclNLRU5ESGE3ZE9iME8tQTFGU2plM3ZoVFBHOWJYd1p6UDZMYm5LX1FNYjl5LXlZYU5VUHV2QzN4TzJQRGFwSmFxSmZSeGFtbWtZblMwS2FsbTZxQQ?oc=5) · crosstimbersgazette.com
- 2017-03-27 [A lifetime of banking - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1pa0R0Rl9lc2pMMGZoOHNrd0J0NmRENFAtYzRpcFRVaVdMMnZqVHRrMXk4YkR6a3JFVVFxbHhMNXdZaTJuQVZ6MmlPQVBvMmEwQXljdTIzUzBPdWxPeEpJd1M0OG91cW9OR2V2X1Z0SmF3LUI3UVNvSA?oc=5) · crosstimbersgazette.com
- 2019-03-09 [Argyle police investigating robbery at PointBank - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOS2V0ZkxyX0dlR1hWYjRieHZXN1NaRUdJdjZuWkowTEw1a3lNczhIS2lGOGViVUQwS2o5VWMxMXVYMTR3UW1jaXNqNjlUSHMwdzVWSUV6ZjIxOUFueTl4cHNUSnlFZlZTRjM2TGQxZ2N1Zll0WUlrZ19oUVlVOGtrY0hobXB4NUFFOER1VU82QWpydEh4VXBFM1I0ZUs?oc=5) · crosstimbersgazette.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3389 (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/61.json (key "3389", 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