Points West Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Points West Community Bank is an FDIC-insured commercial bank headquartered in Windsor, CO, established in 1906 (FDIC certificate 3031), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $877.6M, up 9.4% from Q2 2025, the 9th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3031
- Headquarters
- Windsor, CO
- Established
- 1906
- Total assets, Q2 2026
- $877.6M
- Assets vs Q2 2025
- +9.4%
- Tier 1 leverage ratio, Q2 2026
- 9.22%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 102101360
- Holding company
- FIRST NEBRASKA BANCS, INC.
- Asset rank in state
- 9th of 63 in Colorado
Points West Community Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $878 million at June 30, 2026, up 9.4% from a year earlier; it is based in Windsor, Colorado. It funds 9.22% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 20% from a year earlier, to $3.0 million. Over the same year, loans shrank 1.2% and deposits grew 7.5%.
As of June 30, 2026, Points West Community Bank reported a return on assets of 1.37%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.28%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Points West Community Bank is the 9th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $877.6M, loans fell 0.5% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 21.9% of total loans, followed by agricultural production loans at 17.3%. The FDIC Summary of Deposits lists 21 offices for it, in 17 cities across 3 states; its Sidney 2 offices book 15% of its branch deposits. Judged on its Q2 2026 call report, Points West Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1291 Main St, Windsor, CO 80550
- County
- Weld
- Metro Area
- Greeley, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- First National Bank (2001-2008)
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 145
- Domestic deposits
- $768.0M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $888.9M
- Average total loans
- $472.4M
- Average interest-bearing deposits
- $783.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3031
- Fed RSSD
- 444556
- Website
- www.pwcbank.com →
- Parent Holding Company
- FIRST NEBRASKA BANCS, INC. (RSSD 1051081)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Points West Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Points West Community Bank's total assets ranged from $773.3M (Q3 2023) to $877.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$877.6M total assets against $802.0M; $808.4M total liabilities against $739.7M.
$459.6M net loans and leases against $465.5M; $768.0M total deposits against $714.3M.
$353.3M securities against $270.9M; $24.0M cash and balances due against $27.7M.
$11.0M total interest income against $10.0M; $3.0M total interest expense against $2.9M.
$8.0M net interest income against $7.1M.
$743K total noninterest income against $798K; $5.7M total noninterest expense against $5.1M.
$0 provision for credit losses against $200K.
$3.0M net income against $2.5M.
1.37% return on assets against 1.22%; 3.86% net interest margin against 3.68%.
9.22% tier 1 leverage ratio against 9.56%.
Inside the full Points West Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePoints West Community Bank rankings
Its closest position to the top of a national ranking is 1,155 of 4,196, for total assets; its furthest is 3,109 of 3,640, for Texas Ratio.
Banks merged into Points West Community Bank
- State Bank of Downs, effective July 15, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q3 2024) to 1.49% (Q1 2026) and its net interest margin ran from 3.29% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.22% | 1.37% | 0.06% | 0.28% | 3.86% |
| Q1 2026 | 9.36% | 1.49% | 0.08% | 0.40% | 3.75% |
| Q4 2025 | 9.63% | 1.28% | 0.21% | 0.57% | 3.75% |
| Q3 2025 | 9.67% | 1.43% | 0.19% | 0.66% | 3.83% |
| Q2 2025 | 9.56% | 1.22% | 0.53% | 1.57% | 3.68% |
| Q1 2025 | 9.44% | 1.23% | 0.27% | 1.20% | 3.50% |
| Q4 2024 | 9.25% | 1.16% | 0.07% | 0.36% | 3.39% |
| Q3 2024 | 9.23% | 1.08% | 0.09% | 0.54% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Points West Community Bank Branch | Sidney , NE | 69162 | $104.2M |
| 100 East Third Street Branch | Julesburg , CO | 80737 | $96.7M |
| Torrington Branch | Torrington , WY | 82240 | $68.7M |
| Points West Community Bank (main office) | Windsor , CO | 80550 | $62.9M |
| Points West Community Bank - Haxtun Branch | Haxtun , CO | 80731 | $55.4M |
| Points West Community Bank Water Valley Branch | Windsor , CO | 80550 | $39.8M |
| Chappell Branch | Chappell , NE | 69129 | $36.0M |
| Points West Community Bank Greeley Branch | Greeley , CO | 80634 | $32.4M |
| Douglas Branch | Douglas , WY | 82633 | $32.4M |
| Pine Bluffs Branch | Pine Bluffs , WY | 82082 | $32.3M |
| Lingle Branch | Lingle , WY | 82223 | $31.1M |
| The Fullerton National Bank Branch | Fullerton , NE | 68638 | $30.3M |
| Points West Community Bank - Wellington Branch | Wellington , CO | 80549 | $29.0M |
| Kimball Branch | Kimball , NE | 69145 | $25.8M |
| Dalton Branch | Dalton , NE | 69131 | $22.2M |
| Loveland Branch | Loveland , CO | 80538 | $18.3M |
| Lisco State Bank Branch | Lisco , NE | 69148 | $15.4M |
| I-80 Branch | Sidney , NE | 69162 | $14.2M |
| Downtown Greeley | Greeley , CO | 80631 | $10.5M |
| Fort Collins | Fort Collins , CO | 80525 | $10.4M |
| Good Samaritan Branch | Windsor , CO | 80550 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 15, 2026 | Structure Change | Acquired State Bank of Downs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 14, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired Points West Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2011 | Structure Change | Acquired Signature Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 8, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 22, 2004 | Structure Change | Acquired Haxtun Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 1998 | Structure Change | Acquired South Platte Bancorp Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 1986 | Structure Change | Acquired Sedgwick County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 5, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 46 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 124 applications, 92 loans originated, $16.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.8M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Points West Community Bank
What are Points West Community Bank's total assets?
As of the Q2 2026 filing, Points West Community Bank reported total assets of $877.6 million in its FFIEC call report.
Where is Points West Community Bank headquartered?
It is headquartered in Windsor, CO, United States.
When was Points West Community Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Points West Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Points West Community Bank?
Points West Community Bank's primary federal regulator is the FDIC.
How many branches does Points West Community Bank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Points West Community Bank's Texas Ratio?
Its Texas Ratio is 0.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Points West Community Bank previously called?
The charter now named Points West Community Bank has also operated as First National Bank (2001-2008), per FDIC structure-change records.
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