200 West Oak Street
West, TX 76691

Notable Rates APY Vs.Others
Savings 0.25% 1.90% →
1-Year CD 0.75% 1.90% →
2-Year CD 1.26% 1.95% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

POINTWEST BANK is an FDIC insured institution located in West, TX. It was founded in 1893 and has approximately $0.1 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 13600
Date Established 1893
Assets $0.10 billion
Loans $0.04 billion
Deposits $0.09 billion
Capital $0.01 billion

For a more detailed analysis of POINTWEST BANK's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $2,501 $10,000 Learn MoreShow Less
Money Market
0.35% $10,001 $25,000 Learn MoreShow Less
Money Market
0.40% $25,001 - Learn MoreShow Less
3 Mo CD
0.30% $1 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
0.85% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1,500 - Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for POINTWEST BANK

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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Financial Details


The following ratios and data are available to help you better understand the financial condition of POINTWEST BANK. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
0% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, POINTWEST BANK had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,279,000 in equity and $418,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
12.94% 9.41%

POINTWEST BANK has a Return on Equity of 12.94% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

9.92% 12.82%

POINTWEST BANK has a Capitalization of 9.92% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

POINTWEST BANK Balance Sheet Analysis

As of December 31, 2019, POINTWEST BANK had assets of $103,640,000, loans of $41,074,000, and deposits of $91,977,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.09 billion
Total deposits $0.09 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 92.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in POINTWEST BANK’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Construction and Development Loans.

Compared to other banks in Texas, POINTWEST BANK has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 60.23
Credit Card Loans 0.00
Consumer Auto Loans 12.97
Small Business Loans 5.54
Construction and Development Loans 6.97
Commercial Real Estate 5.54
Commercial and Industrial Loans 3.42
Farm Loans 3.64

Frequently Asked Questions About Pointwest Bank

Branches and Savings

Is Pointwest Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13600.

Why does Pointwest Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Pointwest Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Pointwest Bank a commercial bank?


Where are Pointwest Bank locations?

See branch locations nearby.

Is Pointwest Bank open on Saturdays?

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Will the Pointwest Bank branch print checks?

Do Pointwest Bank checks expire?

Does Pointwest Bank require US citizenship to open account?

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Does Pointwest Bank offer mortgages?

Compare mortgage rates here.

Does Pointwest Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pointwest Bank offer personal loans?

Compare personal loan rates here.

Does Pointwest Bank offer student loans?

Will Pointwest Bank cash a check?

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Does Pointwest Bank cash savings bonds?

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Background on The Bank

Who owns Pointwest Bank?

How long has Pointwest Bank been around?

Can Pointwest Bank transfer to other banks?

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