Points West Community Bank: how it compares with its peers
Against 15 CO banks with half to twice its assets, Points West Community Bank's strongest measure in Q2 2026 is efficiency ratio (63.10% vs. a 62.65% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $7.6M).
| Measure | Points West Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.71% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 4.38% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.10% | 62.65% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $7.6M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.84% | 86.27% | Context |
What it means for lending operations
Its efficiency ratio of 63.10% is above the 62.65% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Timberline Bank Grand Junction, CO · $833M
- PB&T Bank Pueblo, CO · $815M
- AMG National Trust Bank Boulder, CO · $723M
- The Eastern Colorado Bank Cheyenne Wells, CO · $721M
- Yampa Valley Bank Steamboat Springs, CO · $688M
- First Southwest Bank Durango, CO · $657M
Questions about Points West Community Bank
How big is Points West Community Bank?
Points West Community Bank, established in 1906, is headquartered in Windsor, CO. It reported $878M in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is Points West Community Bank's return on assets?
1.45% annualized in Q2 2026, against a 1.71% median for 15 CO banks with half to twice its assets, ahead of 40% of them.
What is Points West Community Bank's efficiency ratio?
63.10% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 62.65%, and lower is better.
Is Points West Community Bank growing its loans?
Net loans shrank 1.3% over the year to Q2 2026, while deposits grew 7.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.