PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Points West Community Bank

Windsor, CO · Cert 3031 · First Nebraska Bancs Inc.

State charter, non-member · FDIC · 21 branches

Q2 2026

$877.6MAssets
$468.4MLoans
$768.0MDeposits
$69.2MEquity
Loan mix
90%RE $347.3M9%C&I $34.1M2%Consumer $6.3MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $607.3M21%Noninterest $160.7MQ3 2024Q2 2026

Market Position · Greeley, CO · 2026 SOD (annual) · 2.3% share · #12 of 24 inst. · $0.1B of $6.4B

2.3% Weld
29.1% Cheyenne
15.9% Goshen
88.0% Sedgwick

Executive Summary

  • Earnings: ROA of 1.15%, up 15 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.06% of loans (-48 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.22%, down 34 bps from a year ago.
  • Funding: loans stand at 60.99% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.15%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+13 bps YoY

Efficiency Ratio (YTD, annualized)

63.10%-89 bps YoY

Tier 1 Leverage Ratio

9.22%-34 bps YoY

NIM

4.46%Q2 ’244.82%Q2 ’254.78%Q2 ’26+15%+4%

Non-interest income vs. expense

2.27%Q2 ’242.37%Q2 ’252.40%Q2 ’26+4%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.85%1.00%1.00%1.05%1.04%1.19%1.15%+15 bps
Return on Equity11.94%12.42%13.89%13.50%13.69%13.38%14.52%14.17%+67 bps
Net Interest Margin2.99%3.02%3.26%3.36%3.48%3.45%3.50%3.49%+13 bps
Efficiency Ratio69.40%68.23%62.75%64.00%63.00%63.88%61.01%63.10%-89 bps
Non-Interest Burden1.95%1.93%1.91%2.01%2.04%2.06%1.99%2.07%+6 bps
Growth
Asset Growth (YoY)4.97%3.82%-0.44%-1.36%-1.98%2.40%6.58%9.43%+1,078 bps
Loan Growth (YoY)12.46%13.70%6.06%5.93%1.31%-4.62%0.03%-1.20%-713 bps
Deposit Growth (YoY)-0.72%-0.26%2.81%2.08%1.01%8.53%6.80%7.51%+543 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.07%0.27%0.53%0.19%0.21%0.08%0.06%-48 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.79%1.70%1.80%1.81%1.90%1.89%1.87%1.88%+7 bps
Allowance Coverage of NPLs19.1x23.1x6.6x3.4x9.9x9.2x24.6x33.9x+30.5x
Capital
Tier 1 Leverage Ratio9.23%9.25%9.44%9.56%9.67%9.63%9.36%9.22%-34 bps
Total Risk-Based Capital9.23%9.25%9.44%9.56%9.67%9.63%9.36%9.22%-34 bps
Equity / Assets7.71%6.90%7.51%7.76%8.45%8.23%8.15%7.89%+12 bps
Liquidity & Funding
Loans / Deposits65.72%71.68%65.83%66.36%65.91%62.99%61.65%60.99%-537 bps
Liquid Assets / Assets0.59%0.74%2.75%1.97%1.14%2.85%1.97%1.61%-37 bps
CRE / Total Capitaln/an/an/an/a231%235%235%n/an/a