PointBank
- Company typePrivate
- Founded1884
- HeadquartersPilot Point, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
PointBank firmographics
Firmographics- Name
- PointBank
- Legal name
- PointBank
- Website
- https://pointbank.com
- Company type
- Private
- Founded year
- 1884
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
PointBank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Card Issuing (52221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where PointBank is headquartered
LocationHeadquarters
- HQ city
- Pilot Point
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
PointBank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional bank lending revenue from personal and commercial loans including mortgages, auto loans, RV loans, aircraft loans, church loans, and commercial real estate financing.
- Deposit Account Fees: Monthly service charges on checking and savings accounts, with various account tiers offering different fee structures based on balance requirements.
- Credit Card Revenue: Interest income and interchange fees from personal and business credit cards including Rewards, Premier, Patriot USA, and Patriot Texas cards.
- Commercial Banking Services: Treasury management services, merchant services for card processing, wire transfers, and business checking accounts with various fee structures.
- Safe Deposit Box Rentals: Annual rental fees for safe deposit boxes in various sizes ranging from 3x5 to 10x10.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Cash Back Checking - $6.95/month with 5 cents cash back on debit transactions |
| Subscription | Monthly | Premier Checking - $15/month if balance below $25,000 |
| Subscription | Monthly | Preferred Checking - $5/month if balance below $5,000 |
| Subscription | Monthly | Premier Credit Card - 11.99% to 17.99% APR |
| Subscription | Monthly | Rewards Credit Card - 15.99% to 17.99% APR |
| Subscription | Monthly | Patriot USA Credit Card - 18% fixed APR |
| Unit Pricing | Annual | Safe Deposit Boxes |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
PointBank product offering
Product offeringCore offering
PointBank is a community bank operating nine branches across Denton County, Texas, providing personal and business deposit accounts (checking, savings, CDs, IRAs), personal and business credit cards, and a broad portfolio of lending products including mortgages, auto, RV, motorcycle, boat, aircraft, church, and commercial real estate loans. It also offers digital banking channels (online, mobile, telephone) plus merchant services and treasury management for business clients, with locally-made loan and account decisions.
Product overview
PointBank is a community bank serving Denton County, Texas since 1884, offering a comprehensive suite of personal and business banking products and services. The bank's personal banking lineup includes multiple checking account types (Cash Back, Premier, Preferred, Patriot/55 Plus, Free E-Checking, Student, Possibility), savings accounts including Piggy Pal for children, credit cards (Rewards, Premier, Patriot USA, Patriot Texas), CDs and IRAs, and safe deposit boxes. Online and mobile banking services include 24/7 account access, Zelle peer-to-peer payments, X-Press telephone banking, E-Statements, debit card alerts/controls, and SavvyMoney credit score monitoring. Personal lending covers mortgages, auto loans, recreational vehicle loans, motorcycle loans, boat/trailer loans, residential construction, and secured loans. Business banking encompasses multiple checking accounts (Business Concierge, Business Preferred, Business Free E-Checking, Non-Profit, Commercial Analysis), business savings and CDs, business credit cards, merchant services with full payment processing, and treasury management tools. Commercial lending includes commercial real estate financing ($500,000-$8,000,000), general business/commercial loans, aircraft loans (piston, turbo prop, jets), and church loans. Community programs include the Switch and Support school donation program and Business Concierge Registry. All services are supported by nine branches across Denton County with local decision-making.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Multiple consumer checking account options offering cash back, interest-bearing balances, student/youth features, and senior-focused benefits for individuals and families.
- Personal Savings Accounts Variable-rate savings account with a $250 minimum and a youth-focused Piggy Pal Savings account for children 12 and under with prize incentives and a free piggy bank.
- Personal Credit Cards Consumer credit card lineup offering rewards points, low introductory APR balance transfers, and a metal Premier card with rates from 11.99% APR.
- Certificates of Deposit (CDs) and IRAs
Quantifiable outcome
- ATM fee refunds for all non-PointBank ATM usage worldwide
- +3 more outcomes
Companies that use PointBank
Customer profileNamed customers15 records
Segments4 records
Ideal customer profiles4 records
PointBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature4 records
PointBank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Business Concierge Registry ParticipantsminorLocal businesses listed in PointBank's Business Concierge Registry, including 3 555's Maintenance, 7 Day Tire & Wheel, 323 Technologies, 1845 Texas Eatery, and 100+ other local businesses. These businesses are neither endorsed by nor affiliated with PointBank and participate voluntarily in the registry for potential customer referrals.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
PointBank competitors and assessment
Company assessmentBroad incumbents
- Frost Bank: Frost Bank is a large Texas super-regional bank with extensive branch coverage including the North Texas/Denton County area. Overlaps with PointBank on consumer/SMB banking and competes head-to-head for primary banking relationships in PointBank's footprint.
- Texas Capital Bank: Texas Capital Bank is a Texas-based commercial bank with strong SMB and middle-market presence across major Texas metros including North Texas. Competes for the same business-banking and CRE relationships PointBank serves.
- Ally Bank: Ally Bank is a top direct/digital bank competing aggressively for deposit balances and consumer credit-card/savings relationships. While online-only, it represents the national benchmark alternative to community banks like PointBank for primary retail banking.
Regional players
- EECU ( Denton County credit union): EECU is a Denton County-headquartered credit union providing checking, lending, and member banking services across North Texas. A direct regional competitor for primary banking relationships in PointBank's specific geography, primarily serving consumer and SMB members rather than for-profit shareholders.
Direct peers
- First Financial Bank (Texas): First Financial Bank is a Texas-headquartered community bank offering checking, savings, lending, and treasury products across multiple Texas metros. Directly comparable scale and product mix as a community bank operating across multiple in-state branches.
- Glacier Bancorp: Glacier Bancorp is a community-bank holding company operating decentralized branches across multiple Western states. Highly comparable operating model with a focus on relationship-led community banking at multi-branch scale.
- Pinnacle Financial Partners: Pinnacle Financial Partners is a community-banking-focused holding company with strong SMB and treasury management franchises across the Southeast. Directly analogous community-bank model with relationship-led GTM and local decision-making.
- VeraBank: VeraBank is a Texas-based community bank serving Central Texas markets with full personal and business banking, commercial lending, and community-led GTM. Closely comparable to PointBank in operating model, branch-dependent distribution, and relationship-banking positioning.
- Independent Bank Group: Independent Bank Group (IBTX) is a Texas-headquartered community bank holding company operating branches across North Texas and other metros. Like PointBank, it focuses on relationship-based community banking with comparable consumer/SMB product breadth including specialty lending and treasury management.
- Citizens National Bank (Texas): Citizens National Bank is a Texas community bank providing personal, business, and agricultural lending across North and Central Texas. Closely analogous as a multi-branch community bank with deep regional roots and SMB/mortgage focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
PointBank social profiles
Digital presencePointBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
PointBank leadership team
Management profileNumber of profiles
Profiles1 record
PointBank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PointBank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PointBank
What does PointBank do?
PointBank is a community bank operating nine branches across Denton County, Texas, providing personal and business deposit accounts (checking, savings, CDs, IRAs), personal and business credit cards, and a broad portfolio of lending products including mortgages, auto, RV, motorcycle, boat, aircraft, church, and commercial real estate loans. It also offers digital banking channels (online, mobile, telephone) plus merchant services and treasury management for business clients, with locally-made loan and account decisions.
Is PointBank a public or private company?
PointBank is a private company. It is classified as family owned and is currently operating.
When was PointBank founded?
PointBank was founded in 1884. It employs 51 to 100 people.
Where is PointBank based?
PointBank is headquartered in Pilot Point, United States, in the North America region.
How does PointBank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, credit Card Revenue, commercial Banking Services and safe Deposit Box Rentals.
Who are PointBank's main competitors?
Broad incumbents on record are Frost Bank, Texas Capital Bank and Ally Bank. EECU ( Denton County credit union) is listed as a regional player. Direct peers are First Financial Bank (Texas), Glacier Bancorp, Pinnacle Financial Partners, VeraBank, Independent Bank Group and Citizens National Bank (Texas).
Does PointBank have an API?
No public API is recorded for PointBank.
What industry is PointBank in?
PointBank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.