BlastPoint's Banking Scorecard
Points West Community Bank
Community
Specialty: Agricultural
CO
FDIC cert 3031
Windsor, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Points West Community Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.26% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$833.8M
+2.4% YoY
+4.8% QoQ
|
-$557.6M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$457.9M
-4.8% YoY
+0.7% QoQ
|
-$517.6M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$740.8M
+8.5% YoY
+5.4% QoQ
|
-$423.8M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.31%
+22.4% YoY
-1.1% QoQ
|
+0.14% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.71%
+11.2% YoY
-0.2% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
63.88%
-6.4% YoY
+1.4% QoQ
|
+1.25% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.21%
+179.0% YoY
+7.0% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
61.80%
-12.3% YoY
-4.4% QoQ
|
-21.26% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.71%
-3.5% YoY
-0.1% QoQ
|
+0.67% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.12%
+159.4% YoY
+2.8% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.36%
-2.8% YoY
+25.7% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
61.80%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Capital Thin
risk
#128 of 432 · Bottom 29% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.80% · Tier avg: 83.06%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.71% · Tier avg: 21.05%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
45
45th pctile
Efficiency Ratio
Current: 63.88% · Tier avg: 62.63%
42
42th pctile
Total Deposits
Current: $740.8M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $833.8M · Tier avg: $1.4B
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Total Loans
Current: $457.9M · Tier avg: $975.5M
Top Weaknesses
24
24th pctile
Total Loans
Current: $457.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
38
38th pctile
Total Assets
Current: $833.8M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $740.8M · Tier avg: $1.2B
45
45th pctile
Efficiency Ratio
Current: 63.88% · Tier avg: 62.63%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.71% · Tier avg: 21.05%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.80% · Tier avg: 83.06%