# POINTS WEST COMMUNITY BANK
SIDNEY, NE · FDIC certificate 25127 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $404.1M | |
| Deposits | $344.7M | |
| Loans and leases | $222.3M | |
| Total equity | $43.1M | |
| Loans / deposits | 63.20% (p13 of band) | 85.34% |
| Liquid assets / assets | 41.19% (p87 of band) | |
| Uninsured deposits / deposits | 24.07% (p57 of band) | 22.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.74% (p48 of band) | |
| FHLB advances / assets | 3.55% | |
| Tier 1 leverage | 9.73% (p29 of band) | 10.60% |
| Unrealized securities loss / equity | 2.84% (p83 of band) | 0.73% |
| AOCI / equity | 8.76% (p95 of band) | |
| ROA (annualized) | 1.45% (p74 of band) | 1.13% |
| Net interest margin | 3.65% (p44 of band) | 3.74% |
| Efficiency ratio | 60.80% (p34 of band) | |
| Noncurrent loans | 0.01% (p8 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 20327.27% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 30.86% (p40 of band) | |
| Auto loans | $2.2M (0.98% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, assets shrinking |  |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-19 [Points West Community Bank builds culture through people-first values - ColoradoBiz](https://news.google.com/rss/articles/CBMiggFBVV95cUxNWU5hU01zSUtoc0ozQm9BTk1nQm92cWp2d1BOaFZVZF9oWHpXU2VvSTBJYjhYYmUxSWRnMjNMN2drclM0X1RYejhFTTJ5Mml2TktSM1d0ZjVVUDU1czVyN3RGdksyamNhclR3dVFFSXViZUw2SHU4RHgtUzJkVDhLV0JB?oc=5) · ColoradoBiz
- 2022-11-17 [Points West Community Bank: A Hometown Bank Built on a Century of Grit and Determination - BadCredit.org](https://news.google.com/rss/articles/CBMitgFBVV95cUxNWVpQbEFMRVdTdlppYkRkX2lXVmZycGVwTDhlWFNDdjRDXy1TX0huZ2F5bzB6NEJJX2k4SkVFMzdXMzEyaGYtR0NaNHhuTkNKNVJNWVdVeHpRcjZ5clAxRUNsTE9BbkJjXzlMR2tKWEZVOEp1cHZFMUNzLU1pdjAtMlpSdlFDS0ZjaUp2bGpzSi1GVFlpSjJYUzFlQ0dBSHZPcnUxbFlmYXFoWnpVb1FTU051a2hYUdIBuwFBVV95cUxNQ1JmM1lWbTBhTkU4NDVuZUxoQ1NHZGhsWW9tQ3VibW80eS1vWGJlaG9HZ0JzSVRxZ1c3ZWl5YTV1OEhxSmNKVXlUZkZzNG9OclFkVXZBOXlGb3J1Y3RZaF9mQ1JSbUU3eGM2Z0Qya0o5amNRTEFBd1V6V0xtOGRIblR5eW9rakxNaTFnTW54eVM5Wl9LQUdHWUhtYl91Rjc0VXhYYV9weEUtUDE2d1pRVjlabV9HRVRZZFFr?oc=5) · BadCredit.org
- 2025-09-15 [Northern Colorado bankers worry about stablecoin legislation - KUNC](https://news.google.com/rss/articles/CBMingFBVV95cUxPU2QtalNKcHlTY2FRWUdvR1dCN0NlVXBBOU04RXdBbVJrUFRhakFnRmdUZE4wWlUtdXZ0QTFfSENMTXN0WUxKN183Wldfb3RKTUQ5ekp1XzdBQnhWMExrd1hXZmphckJ0bnk3ZlZBekNDaGlQY3FNOVNIbnpaWXhxUEpxbFJmaXJ1OFhOcGs3TTFndG1mYmI2aFBvX0hrQQ?oc=5) · KUNC
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2022-10-24 [Louis Dean Jurgens - Roper and Sons](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5ndk81NHhOak5CRC1DeVFSaGhUbnlFZ2g3SmZVaUtCU052b3pzUUlxQmdoeWhpV2dfbjVsWmFoT1hYTHdiOE1JR2RtSGNZdWN6Z3ZBQzVqS1hvSUFXOTVRbC01aw?oc=5) · Roper and Sons
- 2025-09-11 [School Board Talks Budget, OKs Tax Request, Reviews Enrollment - Western Nebraska Observer](https://news.google.com/rss/articles/CBMisgFBVV95cUxQUjkyMDZuY3BZX2tTcnFPdGhlLXFLbGlaaFJoOUd1NUlyc29lVzJjd2kxbWVRNWFzdXhCM25zc2NvSHRCbVNMVHZPVjducWxMQWsyVG9qc2QwR2FVVkFsb0VCdEV3TlNaMnkxT2djWUZVOHZVa19raFRNeFdKeUZFTm1zeGhyOE9SSzFLczM5Wno3eDJqY2lpS3E1bDlyVHRmZFh3SzRGTnY0cE5CUTNkaVJn?oc=5) · Western Nebraska Observer
- 2020-12-15 [Helping the community this holiday season - Torrington Telegram](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdGZNMUFTYXRDR0MwZW1fNzQyVm1kYjZKUnFtOFc1X3J5bW9scFNBWDhNcDN5SWJrMHd2WWZNN3FLbUNkRExMM3RFdEFlbC1DRGRCVVBhWXhFY0k0ZGVmM0VrRGotZ3hBcFVrUmhVUTVaUmNHbjhwSkd3RGItakpMdm9ZY2lTb0xRQTBrV3ZxZHdncy1l?oc=5) · Torrington Telegram
- 2025-06-16 [The Fed Reserve’s New Bank Supervision: Ease Requirements and Streamline Oversight - BadCredit.org](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeXBxV3BBcnFYZ2RpTTF2T0xpOHpJaDNxM1ltQmwyY19FY3dRQ21mczNNQUZvcnFNNXFMOEpFQ3ZWZHBhVzM2ZGZpNEVaZGtORU8zNVVsUG5rb0NTUHJOdjNWSkkzYTgzU05feEx0UHh3X3VSZGUtSHp6akJjQS1jQ3BXVnJsRGJsSE9rRm9FLXVQakhXS3BQX0ZyMGLSAaIBQVVfeXFMUHIzZmNtTnE0MVBBZDNDaGZRdGhTeV92c1UtNWVWTFBkV0Nwc3VUU1JZZlBGbTdwTThqU1ktbzhleTJhX0pJckhQNEtEUjlFbE53cnRkRERhN2JSeml5STJvR1dnLVNYRWFPeTBMbWM3Nk1tQlFvMzJyMFJ1T3J6Rkp1eVgzczhiclRwN2N1azkyZG90UTZaalU1QzhCTUczVnJn?oc=5) · BadCredit.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25127 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "25127", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide