# POINTS WEST COMMUNITY BANK
WINDSOR, CO · FDIC certificate 3031 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $877.6M | |
| Deposits | $768.0M | |
| Loans and leases | $468.4M | |
| Total equity | $69.2M | |
| Loans / deposits | 59.84% (p12 of band) | 82.04% |
| Liquid assets / assets | 42.99% (p86 of band) | |
| Uninsured deposits / deposits | 29.35% (p64 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.95% (p53 of band) | |
| FHLB advances / assets | 3.42% | |
| Tier 1 leverage | 9.22% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -23.46% (p18 of band) | -8.10% |
| AOCI / equity | -3.50% (p3 of band) | |
| ROA (annualized) | 1.45% (p61 of band) | 1.28% |
| Net interest margin | 3.84% (p46 of band) | 3.91% |
| Efficiency ratio | 63.10% (p56 of band) | |
| Noncurrent loans | 0.06% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 3394.21% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 70.85% (p72 of band) | |
| Auto loans | $2.7M (0.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 145 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 5 | capital falling, construction >100% equity, uninsured deposits leaving |  |
| 2024-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling, construction >100% equity |
| 2024-12 | 2 | securities losses >30% of equity, construction >100% equity |  |
| 2025-03 | 1 |  | construction >100% equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 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
- 2025-09-15 [Northern Colorado bankers worry about stablecoin legislation - KUNC](https://news.google.com/rss/articles/CBMingFBVV95cUxPU2QtalNKcHlTY2FRWUdvR1dCN0NlVXBBOU04RXdBbVJrUFRhakFnRmdUZE4wWlUtdXZ0QTFfSENMTXN0WUxKN183Wldfb3RKTUQ5ekp1XzdBQnhWMExrd1hXZmphckJ0bnk3ZlZBekNDaGlQY3FNOVNIbnpaWXhxUEpxbFJmaXJ1OFhOcGs3TTFndG1mYmI2aFBvX0hrQQ?oc=5) · KUNC
- 2022-11-17 [Points West Community Bank: A Hometown Bank Built on a Century of Grit and Determination - BadCredit.org](https://news.google.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?oc=5) · BadCredit.org
- 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
- 2020-12-15 [Helping the community this holiday season - Torrington Telegram](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdGZNMUFTYXRDR0MwZW1fNzQyVm1kYjZKUnFtOFc1X3J5bW9scFNBWDhNcDN5SWJrMHd2WWZNN3FLbUNkRExMM3RFdEFlbC1DRGRCVVBhWXhFY0k0ZGVmM0VrRGotZ3hBcFVrUmhVUTVaUmNHbjhwSkd3RGItakpMdm9ZY2lTb0xRQTBrV3ZxZHdncy1l?oc=5) · Torrington Telegram
- 2024-02-03 [Frances Grasz Obituary (2024) - Julesburg, CO - Prairie Hills Funeral Home - Julesburg - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOZ2daMUxONHZMckU1OFMwaVlkUWZ0VXJ6eFFDdGJnT3RmU1ZZX0JmN29sY3lZRURQLTJtc21QTkg5c01Jb0Jubmk0c2RMUVdGZjBKTGFIdEtZcWJXTFBMMWEyZGJtbmFpODEzdGpZNDVqREpTVnNYdmw2Rm5HQXRYdlBn?oc=5) · legacy.com
- 2018-05-04 [Mary Francis Babcock Obituary - Greeley, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOTTZqTVh4UEZ5b185VUoxYUNEdGFnYnlObXZDSjlQRVd3ZGFCaE1ST0doUHVHYl91WUdYb1RxMTR5aS1KTUl6bVhocU5WM2tMV2RDRk1zUG9uZ281T3UzdWVJakNqVGtOSS1OSDhqVTR0ZXVsT0ZMTUs2bnhRRXROMkZvb0pvNUlZb3c?oc=5) · Dignity Memorial
- 2013-08-15 [Wellington Bank Robber Caught on Tape - Fort Collins Country Radio](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9ZRXRteTQ2VG9Vd25aZ21DV2xoelVCTDRSbVJxT3hZTGlXbTl2bVItaGpzMFVYazVLcHlrS2VXYlZyVWsycV9SSDJxLXh0Y3dYaGEtU0lGenNNcGdvT2VGZVRCZEE?oc=5) · Fort Collins Country Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3031 (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/23.json (key "3031", 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