Points West Community Bank
Windsor, Colorado, Weld County
$878M in total assets, the 1,189th largest of 4,309 US banks and 9th of 63 headquartered in Colorado.
- FDIC certificate
- 3031
- Established
- 1906
- Owned by
- First Nebraska Bancs Inc
- Primary regulator
- FDIC
- Website
- www.pwcbank.com
At a glance
Compared with 48 banks headquartered in Colorado with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $878M | 98% | $318M | |
| Loans | $468M | 92% | $202M | |
| Deposits | $768M | 98% | $277M | |
| Return on assets | 1.41% | 67% | 1.13% | |
| Net interest margin | 3.84% | 29% | 4.14% | |
| Efficiency ratio | 63.1% | 40% | 67.6% | |
| Equity to assets | 7.89% | 12% | 11.01% | |
| Loans to deposits | 61% | 15% | 82% |
Growth
Total assets grew 1.2% a year over the last 5 years and 14.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2020 | Points West Community Bank Sidney, NE, an affiliate under the same holding company | $404M |
| Jul 2011 | Signature Bank Windsor, CO | $63M |
| Mar 2004 | Haxtun Community Bank Haxtun, CO | $23M |
| Nov 1986 | Sedgwick County Bank Julesburg, CO | $4M |
Where they operate
21 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Weld County, CO | $146M | 2.3% | 12 of 24 |
| Cheyenne County, NE | $141M | 29.1% | 2 of 5 |
| Goshen County, WY | $100M | 15.9% | 4 of 4 |
| Sedgwick County, CO | $97M | 88.0% | 1 of 2 |
| Larimer County, CO | $58M | 0.6% | 17 of 28 |
| Phillips County, CO | $55M | 25.1% | 3 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 14 branches since 2016 (7 to 21, +200.0%). 4 opened, 11 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Opened JulesburgClosed Windsor | 1 | 1 | 0 | 7 |
| 2019 | Opened 3 in Colorado | 3 | 0 | +3 | 10 |
| 2020 | Acquired Points West Community Bank | 11 | 0 | +11 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 26% | 30% | |
| Farmland | 22% | 10% | |
| Agricultural | 17% | 7% | |
| 1-4 family residential | 13% | 32% | |
| Construction and land | 10% | 9% | |
| Business (C&I) | 6% | 8% | |
| Multifamily | 1% | 2% | |
| Consumer | 1% | 2% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 49% | |
| Time deposits | 23% | 28% | |
| Noninterest-bearing | 21% | 23% |
Brokered deposits are 0.0% of deposits (peers 3.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.04% | 0.19% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.88% | 1.19% |
| Leverage ratio | 9.22% | 11.81% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Weld County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/points-west