POINTWEST BANK: how it compares with its peers
Against 102 TX banks with half to twice its assets, POINTWEST BANK's strongest measure in Q2 2026 is return on assets (1.72% vs. a 1.37% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.4M).
| Measure | POINTWEST BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.72% | 1.37% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 4.07% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.75% | 64.25% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.4M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.08% | 62.59% | Context |
What it means for lending operations
Its efficiency ratio of 64.75% is above the 64.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Buckholts State Bank Buckholts, TX · $139M
- Texas National Bank Sweetwater, TX · $139M
- First State Bank of Brownsboro Brownsboro, TX · $140M
- Peoples State Bank Rocksprings, TX · $140M
- First National Bank of Dublin Dublin, TX · $134M
- Spur Security Bank Spur, TX · $141M
Questions about POINTWEST BANK
How big is POINTWEST BANK?
POINTWEST BANK, established in 1893, is headquartered in West, TX. It reported $137M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is POINTWEST BANK's return on assets?
1.72% annualized in Q2 2026, against a 1.37% median for 102 TX banks with half to twice its assets, ahead of 75% of them.
What is POINTWEST BANK's efficiency ratio?
64.75% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 64.25%, and lower is better.
Is POINTWEST BANK growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits grew 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.