Points West Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Points West Community Bank of Windsor, CO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.37% | 1.25% | +0.12% | 55th above |
| ROAE | 17.47% | 13.17% | +4.30% | 77th top |
| Net Interest Margin | 3.86% | 3.95% | -0.09% | 45th below |
| Efficiency Ratio | 63.66% | 61.50% | +2.16% | 42nd below |
| PPNR / Avg Assets | 1.37% | — | — | 37th below |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds | 1.22% | 1.87% | -0.65% | 83rd top |
| Net Interest Spread | 3.36% | — | — | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 0.93% | -0.14% | 34th below |
| NPA / Total Assets | 0.42% | — | — | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 47th below |
| ACL / Total Loans | 1.88% | — | — | 91st top |
| ACL / NPLs (Coverage) | 238.50% | — | — | 53rd above |
| Texas Ratio | 0.28% | 6.06% | -5.78% | 81st top |
| Provision / NCO | 0.00% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.22% | 11.75% | -2.53% | 15th bottom |
| Equity / Assets | 7.89% | 10.98% | -3.09% | 12th bottom |
| TCE / Tangible Assets | 7.48% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.99% | 80.44% | -19.45% | 83rd top |
| Core Deposit Ratio | 90.95% | 86.95% | +4.00% | 61st above |
| Wholesale Funding Ratio | 3.95% | — | — | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.43% | — | — | 80th top |
| Loan Growth (Y/Y) | -1.20% | — | — | 17th bottom |
| Deposit Growth (Y/Y) | 7.51% | — | — | 73rd above |
See Points West Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Points West Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Points West Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Points West Community Bank peer analysis.