Bank · FDIC insured
PointBank
A $1.2B bank headquartered in Pilot Point, TX, with 9 branches in Texas. Best rates: CDs 3.93% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.93%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About PointBank
Originally established in 1884 as Pilot Point Bank, the institution was chartered as Pilot Point National Bank in 1892 and renamed PointBank in 1995.
Headquartered in Pilot Point, Texas, PointBank operates nine branches throughout Denton County.
- Headquarters
- 200 S Highway 377, Pilot Point, TX 76258
- FDIC certificate
- 3389 ↗
Branches
9 branches in Texas
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Texas
9 branches
Denton area · 3
- Corinth Branch3971 Fm 2181, Denton, TX 76210Directions
- Denton Bank North Branch1700 N Carroll Blvd, Denton, TX 76201Directions
- Denton Bank South Branch525 S Interstate 35 E, Denton, TX 76205Directions
Pilot Point area · 1
- PointbankMain office200 S Highway 377, Pilot Point, TX 76258Directions
Argyle area · 1
- Argyle Branch302 Highway 377 N, Argyle, TX 76226Directions
Aubrey area · 1
- Aubrey Branch922 S Highway 377, Aubrey, TX 76227Directions
Flower Mound area · 1
- Flower Mound Branch4920 Long Prairie Rd, Flower Mound, TX 75028Directions
Lewisville area · 1
- Lewisville Branch915 W Main St, Lewisville, TX 75067Directions
Little Elm area · 1
- Little Elm Branch2103 E Eldorado Pkwy, Little Elm, TX 75068Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.99% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.77% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.95% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $61 | $88 | — |
- CapitalLeverage ratio8.99%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.77%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.95%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$61Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of PointBank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.