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PointBank Rates & Review August 2026

Q: How many branches does PointBank operate?

PointBank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, PointBank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PointBank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

PointBank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not PointBank, and you can see how they compare in the PointBank rate tables below. MonitorBankRates evaluates the financial stability of PointBank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.17%. Database rates last updated and verified on 08/29/2026.

PointBank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at PointBank? Share your experience about PointBank by leaving a review below, or read customer reviews before you decide to use PointBank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.17%

Excellent Lower than avg

Pointbank

200 S Highway 377
Pilot Point, TX 76258

https://www.pointbank.com

PointBank Credit Card Rates

Product	Rate	APR	View More
Premier Credit Card	-	11.99%
Details As low as 11.99% APR Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for PointBank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather PointBank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with PointBank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name PointBank

Bank Holding Company PILOT POINT BCORP INC ESOP

Address 200 S Highway 377, Pilot Point, TX 76258 · Denton

Website https://www.pointbank.com

FDIC Certificate # 3389

Established 07/13/1892

FDIC Insurance Date 01/01/1934

Domestic Offices 10

Total Branches 10

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0621%

Return on Equity (ROE) 25.5100%

Non-Performing Loans (NPL) 0.07%

Total Assets $1,083,598,000

Total Deposits $993,878,000

Equity Capital $82,288,000

Net Income $12,294,000

Headquarters Pilot Point

Total Branches and Offices 10

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About PointBank

How many branches does PointBank operate?

PointBank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, PointBank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, PointBank provides members with tools to manage their accounts and build a solid financial history.

Does PointBank offer online and mobile banking?

Most modern institutions like PointBank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pointbank.com.