Points West Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 5.3% in Q2 2026 to $3.0M, the biggest move on this page. Within Colorado, Points West Community Bank is 39th of 63 on net interest margin, 3.86% as of Q2 2026. At 3.86%, Points West Community Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 7.06% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | 3.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.47% | 1.06% | 3.27% | 6.52% | 2.06% |
| Q4 2023 | 4.64% | 1.20% | 3.28% | 6.83% | 1.91% |
| Q1 2024 | 4.88% | 1.46% | 3.25% | 7.08% | 2.07% |
| Q2 2024 | 4.90% | 1.53% | 3.19% | 6.93% | 2.17% |
| Q3 2024 | 5.04% | 1.55% | 3.29% | 7.09% | 2.22% |
| Q4 2024 | 5.12% | 1.53% | 3.39% | 7.07% | 2.20% |
| Q1 2025 | 5.09% | 1.41% | 3.50% | 6.93% | 2.15% |
| Q2 2025 | 5.17% | 1.32% | 3.68% | 7.05% | 2.17% |
| Q3 2025 | 5.35% | 1.34% | 3.83% | 7.31% | 2.26% |
| Q4 2025 | 5.21% | 1.28% | 3.75% | 7.06% | 2.41% |
| Q1 2026 | 5.14% | 1.21% | 3.75% | 6.90% | 2.65% |
| Q2 2026 | 5.26% | 1.22% | 3.86% | 7.06% | 2.98% |
Points West Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Points West Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)