Pointbank
Major Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.4 and a capital leverage ratio of 9.0. A current level of 9.2 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 20.0 percent and a “hot money” ratio of 19.6 percent.
Asset Mix:
Securities (45%), comm re (20%), home mtgs (11%), comm loans (6%), cash (3%), consumer loans (3%), other (13%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pilot Point Bancorp, Inc.
Investment Rating
--
Address
200 South Highway 377
Pilot Point, TX 76258
Pilot Point, TX 76258
Phone Number
(940) 686-7000
Year Founded
1884
FDIC Number
Website
Largest Affiliates
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