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Points West Community Bank
Windsor, CO · FDIC Certificate #3031 · Chartered 01/0
Total assets
$877.59M
Total deposits
$767.98M
Total equity
$69.22M
Net loans
$459.57M
Branches (offices)
21
Net income (YTD)
$6.21M
Rank: #1,163 of 4,213 U.S. banks by assets · #9 of 63 in Colorado. Assets changed 9.4% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 17.96% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 7.89% |
| Tier 1 leverage ratio | 9.22% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 59.8% |
| Real estate loans (share of loans) | 74.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $343.63M | 74.8% | |
| Commercial & industrial | $27.61M | 6.0% | |
| Consumer / individual | $6.07M | 1.3% | |
| Construction & development | $49.05M | 10.7% | |
| Agricultural | $81.15M | 17.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $824.19M | $737.57M | $4.88M | $53.05M |
| Jun 2023 | $783.87M | $707.58M | $5.43M | $49.12M |
| Jun 2024 | $813.00M | $699.82M | $3.91M | $52.88M |
| Jun 2025 | $801.98M | $714.35M | $5.08M | $62.26M |
| Jun 2026 | $877.59M | $767.98M | $6.21M | $69.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $355.34M | 10 |
| Nebraska | $248.16M | 7 |
| Wyoming | $164.48M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $767.98M.
Similar-sized banks
Pioneer Bank ($883.76M) · First Independence Bank ($875.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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