Points West Community Bank
Total assets
$877.6M
▲ +9.4% YoY
Deposits
$768.0M
▲ +7.5% YoY
Loans
$459.6M
▼ -1.3% YoY
Offices
23
FIRST NEBRASKA BANCS INC
ROA (annualized)
1.45%
peers 1.28%
ROE (annualized)
17.96%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +4.9% | +4.5 pts |
| Deposit growth (YoY) | +7.5% | +4.3% | +3.2 pts |
| Loan growth (YoY) | -1.3% | +5.3% | -6.6 pts |
| ROA | 1.45% | 1.28% | +0.2 pts |
| ROE | 18.0% | 12.4% | +5.5 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
Profile
- Established
- 1906
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST NEBRASKA BANCS INC
- Specialization
- Agricultural Specialization
- Address
- 1291 Main St, Windsor, CO, 80550
- County
- Weld
- Metro area
- Greeley, CO
- Offices
- 23
- FDIC cert #
- 3031
- RSSD ID
- 444556
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $877.6M | $768.0M | $459.6M | $69.2M | $6.2M | 1.45% | 3.84% | 0.03% |
| Q1 2026 | $855.9M | $763.6M | $462.0M | $69.7M | $3.2M | 1.51% | 3.77% | 0.04% |
| Q4 2025 | $833.8M | $740.8M | $457.9M | $68.6M | $10.6M | 1.31% | 3.71% | 0.12% |
| Q3 2025 | $795.7M | $703.0M | $454.6M | $67.3M | $8.0M | 1.32% | 3.72% | 0.11% |
| Q2 2025 | $802.0M | $714.3M | $465.5M | $62.3M | $5.1M | 1.26% | 3.66% | 0.31% |
| Q1 2025 | $803.1M | $715.0M | $462.1M | $60.3M | $2.6M | 1.26% | 3.56% | 0.16% |
| Q4 2024 | $814.3M | $682.6M | $480.9M | $56.2M | $8.6M | 1.07% | 3.34% | 0.04% |
| Q3 2024 | $811.7M | $695.9M | $449.2M | $62.6M | $6.2M | 1.02% | 3.29% | 0.05% |
Loan mix (Q2 2026): real estate $343.6M · commercial $27.6M · consumer $6.1M · securities $353.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.28% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.89% | 47th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 61.2% | 56th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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