Institution Statistics
| Pointbank | | FDIC Certificate # | 3389 | | BankRate Report | View | | Year Established | 1892 | | Employees | 116 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $346.69 million | | Loans | $177.76 million | | Deposits | $308.17 million | | Equity Capital | $35.86 million | | Loan Loss Allowance | $3.92 million | | Unbacked Noncurrent Loans | $2.29 million | | Real Estate Owned | $12.37 million |
Historic Data - March 2011 | | Assets | $335.63 million | | Equity Capital | $30.07 million | | Loan Loss Allowance | $3.81 million | | Unbacked Noncurrent Loans | $8.23 million | | Real Estate Owned | $8.85 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.68% | | Return on Assets | 1.18% | | Return on Equity | 11.1% | | Interest Income | $3.88 million |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Pointbank had $14.66 million in non-current loans and owned real-estate with $39.77 million in equity and loan loss allowances on hand to cover it. This gives Pointbank a Texas Ratio of 36.86% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Pointbank decreased slightly from 50.45% as of March 31, 2011 to 36.86% as of March 31, 2012, resulting in a positive change of 26.94%.This indicates that the balance sheet and financial strength for Pointbank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Pointbank has increased its total deposits by $5.21 million, resulting in 1.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pointbank has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pointbank has $346.69 million in assets with $39.77 million in equity, resulting in a capitalization level of 11.47%, which is above average. |
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Average User Rating:
Overdraft Mint Machine.
Pointbank hit me a $247.00 in overdraft fees in one day by arranging my debits to maximize their charges largest first instead of transaction date and time. I called and spoke to my banker hoping they would see the problem but, all I got I'll see what I can do with no help. My wife and I are seriously struggling this was like a knife in the back. How can this be legal? Anybody watching what this banking intitutions are doing to the little guys???
Even large banks don't do this. Is this how the little banks survived the recession?