Points West Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 118.3% higher than in Q1 2026, at $30.8M. Within Colorado, Points West Community Bank is 53rd of 63 on loan-to-deposit ratio, 60.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Points West Community Bank sits 19.57 points lower, at 60.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $377.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.9M |
| Other borrowed money | $30.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.99% |
| Net loans and leases to deposits | 59.84% |
| Loans and leases to core deposits | 67.06% |
| Core deposits to total deposits | 90.95% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 58.01% | 91.21% | $4.8M | $17.8M |
| Q4 2023 | 62.88% | 90.86% | $3.7M | $38.6M |
| Q1 2024 | 63.81% | 91.27% | $3.6M | $50.4M |
| Q2 2024 | 63.95% | 91.03% | $3.6M | $50.7M |
| Q3 2024 | 65.72% | 90.99% | $7.1M | $40.0M |
| Q4 2024 | 71.68% | 91.84% | $5.8M | $65.4M |
| Q1 2025 | 65.83% | 90.44% | $5.9M | $17.3M |
| Q2 2025 | 66.36% | 90.42% | $4.2M | $16.1M |
| Q3 2025 | 65.91% | 89.50% | $3.9M | $16.1M |
| Q4 2025 | 62.99% | 90.16% | $3.9M | $16.1M |
| Q1 2026 | 61.65% | 91.01% | $3.9M | $14.1M |
| Q2 2026 | 60.99% | 90.95% | $3.9M | $30.8M |
Points West Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Points West Community Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Points West Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3031) · FFIEC NIC profile (RSSD 444556)