🏦Bank Scorer

POINTBANK

PILOT POINT, TX · Supervised by Federal Reserve (FRB)

Est. 1892FDIC #3,389RSSD: FRB-844567
Satisfactory Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.88%

Institution Profile

FDIC BankFind

Address

200 S Highway 377, PILOT POINT, TX

County

Denton County

Established

July 13, 1892

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 2, 2024

Exam Type

Intermediate Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$993M

Net Loans

$550M

Net Income

$2M

ROA

0.88%

ROE

11.80%

Risk-Based Capital

16.82%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate19.57%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$863M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244652.17%19.57%
20235655.36%7.14%
20198937.08%23.60%
20187157.75%11.27%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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