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Original filing (PDF)20250723103637NAL0003952705001
PILOT POINT BANCORP, INC.
Form 5500
FILING_RECEIVED
PILOT POINT BANCORP, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
40% in single holdingNo recordkeeper disclosed
Active participants
109
Accounts w/ balance
137
Plan assets (EOY)
$8.9M
Net assets (EOY)
$8.9M
How this plan invests
This plan
1 pooled trust
Schedule D
20 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
94
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
80
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "T otal mutual funds" is 40% of plan.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PILOT POINT BANCORP, INC..
Plan sponsor
Name
PILOT POINT BANCORP, INC.
EIN
75-2041458
Address
200 S HWY 377 · PILOT POINT, TX · 762584357
Phone
(940) 686-7000
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-23
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PAYNE & SMITH, LLC CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMERCE STREET INVESTMENT ADVISORS | 26-0180443 | — | INVESTMENT ADVISORY | $20K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NWPS | 91-2090931 | — | NONE | $13K | — |
Investments
18 direct securities · 1 pooled fund· $14.4M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$14.0M
17 holdings
Common Collective Trust
$271K
1 holding
Mutual Funds
$105K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T otal mutual funds | — | — | — | $6.3M | 70.6% | |
| Fidelity Mid Cap Index Instl Prem Fund Mutual fund 41,492.1030 | — | — | — | $1.4M | 15.7% | |
| T otal money market funds | — | — | — | $1.4M | 15.7% | |
| Fidelity 500 Index Fund Mutual fund 5,528.6580 | — | — | — | $1.1M | 12.7% | |
| Fidelity Investment Grade Bond Fund Mutual fund 103,027.9730 | — | — | — | $729K | 8.2% | |
| T . Rowe Price Dividend Growth Fund Mutual fund 7,545.7840 | — | — | — | $580K | 6.5% | |
| Fidelity International Index Instl. Prem Fund Mutual fund 10,639.9560 | — | — | — | $506K | 5.7% | |
| Victory Short-T erm Bond Institutional Fund Mutual fund 46,347.2910 | — | — | — | $420K | 4.7% | |
| DFA US Small Cap Value I Fund Mutual fund 8,559.7300 | — | — | — | $419K | 4.7% | |
| T . Rowe Price Financial Services Fund Mutual fund 9,770.4560 | — | — | — | $417K | 4.7% | |
| COHEN & STEERS COLLECTIVE INVESTMEN SEI TRUST COMPANY · EIN 46-3411346 / PN 064 | Common Collective Trust | — | — | $271K | 3.0% | |
| DFA Emerging Markets I Fund Mutual fund 5,815.9400 | — | — | — | $166K | 1.9% | |
| various maturity dates through December 2029 | — | — | — | $145K | 1.6% | |
| Fidelity Mid Cap Value K6 Fund Mutual fund 9,369.9970 | — | — | — | $115K | 1.3% | |
| BrandywineGLOBAL Corporate Credit Fund Mutual fund 9,860.4300 | Mutual Funds | — | — | $105K | 1.2% | |
| T . Rowe Price Health Science I Fund Mutual fund 1,123.5100 | — | — | — | $90K | 1.0% | |
| DFA US T arget Value I Fund Mutual fund 2,351.6580 | — | — | — | $81K | 0.9% | |
| DFA International Small Cap Value I Fund Mutual fund 3,578.1760 | — | — | — | $78K | 0.9% | |
| T CW Emerging Markets Income I Fund Mutual fund 8,692.4720 | — | — | — | $56K | 0.6% |
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