Points West Community Bank
Windsor, CO · Cert 3031 · Peer group: banks under $1B in assets (n=581-629) · First Nebraska Bancs Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
$877.6MAssets
$468.4MLoans
$768.0MDeposits
$69.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 80% of banks under $1B in assets (rank 127 of 629).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets (rank 609 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.12%
Rank 273 of 629
Net Interest Margin
3.49%
Rank 332 of 629
Efficiency Ratio
63.10%
Rank 230 of 629
Equity / Assets
7.89%
Rank 560 of 629
Non-interest income vs. expense
Unfavorable gap of $18.4M · efficiency ratio beats 64% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.60% | 1.01% | 1.45% | Beats 57% | 273 / 629 | | |
| Return on Equity | 14.16% | 5.38% | 9.30% | 13.28% | Beats 80% | 127 / 629 | | |
| Net Interest Margin | 3.49% | 3.03% | 3.54% | 4.05% | Beats 47% | 332 / 629 | | |
| Efficiency Ratio | 63.10% | 58.35% | 67.79% | 79.08% | Beats 64% | 230 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.46% | 1.20% | Beats 79% | 123 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 203 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.22% | 11.24% | 13.84% | 18.77% | Beats 3% | 609 / 629 | | |
| Total Risk-Based Capital Ratio | 9.22% | 11.58% | 14.43% | 19.66% | Beats 3% | 609 / 629 | | |
| Equity / Assets | 7.89% | 9.09% | 10.65% | 13.80% | Beats 11% | 560 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.99% | 67.24% | 80.90% | 93.48% | 19th pctl | 484 / 594 | | |
| Loans / Assets | 53.37% | 53.31% | 67.71% | 78.15% | 25th pctl | 471 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |