Points West Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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)
- Offices
- 23 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Points West Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Points West Community Bank
- State Bank of Downs, effective July 15, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| 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
What the public regulatory sources show for Points West Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CO, rank 46 of 124 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Points West Community Bank headquartered?
Points West Community Bank is headquartered in Windsor, CO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Points West Community Bank founded?
Points West Community Bank was established in 1906, per the FDIC institution directory.
Is Points West Community Bank FDIC-insured?
Yes. Points West Community Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Points West Community Bank operate?
Points West Community Bank operates 23 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?
Points West Community Bank's Texas Ratio is 0.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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