POINTWEST BANK
West, TX
IDRSSD: 292467
Total Assets
$136.89M
Latest filing
Total Deposits
$121.90M
Latest filing
Net Interest Margin
4.24%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111905133WEST, TX
Key People
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Locations
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Main Office
POINTWEST BANK
200 W Oak St
West, TX 76691
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1893FDIC Certificate 8505
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| POINTWEST BANK (Main) | 200 W Oak St | West, TX |
| WEST BRANCH | 210 N Roberts St | West, TX |
| HEWITT BRANCH | 420 N Hewitt Dr | Hewitt, TX |
| CHINA SPRING BRANCH | 10101 China Spring Rd | Waco, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76691 |
| State and County Number | 48309 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Waco, TX |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/09/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.pointwestbank.com |
| Data Updated | 01/30/2026 |
| CERT | 13600 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $136.89M |
| Total Deposits | $121.90M |
| Total Liabilities | $123.44M |
| Total Equity Capital | $13.45M |
| Net Income | $638.00k |
| Net Loans and Leases | $48.83M |
| Assets Per Employee ($Millions) | $4.72M |
| Bank Premises and Fixed Assets | $3.04M |
| Cash and Balances due from Depository Institutions | $9.26M |
| Deposits Held in Domestic Offices | $121.90M |
Key Performance Ratios
| Return on Assets (ROA) | 1.88% |
| Return on Equity (ROE) | 19.4% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 62.91% |
| Tier 1 Risk-Based Capital Ratio | 29.017% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.827% |
| Earning Assets to total Assets | 95.29% |
Income and Expense
| Total Interest Income | $1.48M |
| Total Noninterest Income | $351.00k |
| Total Interest Expense | $114.00k |
| Total Noninterest Expense | $1.08M |
| Net Interest Income | $1.37M |
| Pre-tax Net Operating Income | $638.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.00M |
| Federal Funds Purchased and Repurchased Agreement | $1.50M |
| All Other Liabilities | $44.00k |
| Total Liabilities and Capital | $136.89M |
Securities
| Securities | $70.54M |
| Available-for-sale debt securities | $70.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of POINTWEST BANK?
$136.89M as of the latest filing.
How much are POINTWEST BANK's total deposits?
$121.90M in total deposits.
Where is POINTWEST BANK located?
West, TX.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
1.88%.
How much are total loans and leases?
$48.83M (latest filing).
What is the total interest income (latest filing)?
$1.48M.