BlastPoint's Banking Scorecard
Points West Community Bank
Windsor, CO
23 branches across CO · NE · WY · KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +7.5% year over year ($768.0M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.45%.
- Efficiency ratio 63.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Points West Community Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Efficiency Ratio 1.37% below tier average
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$877.6M
+9.4% YoY
+2.5% QoQ
|
+$491.0M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
Top 4.5% in tier |
| Total Loans ? |
$459.6M
-1.3% YoY
-0.5% QoQ
|
+$201.2M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Top 14.9% in tier |
| Total Deposits ? |
$768.0M
+7.5% YoY
+0.6% QoQ
|
+$441.2M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Top 3.6% in tier |
| Return on Assets ? |
1.45%
+15.3% YoY
-3.6% QoQ
|
+0.13% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.84%
+5.2% YoY
+2.1% QoQ
|
-0.14% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
63.10%
-1.4% YoY
+3.4% QoQ
|
-1.37% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
0.06%
-89.6% YoY
-27.3% QoQ
|
-0.86% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
59.84%
-8.2% YoY
-1.1% QoQ
|
-18.11% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
20.92%
-4.6% YoY
-6.0% QoQ
|
-1.11% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.03%
-90.6% YoY
-29.4% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
9.22%
-3.5% YoY
-1.5% QoQ
|
-6.69% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.4% in tier |
| Non-Interest Income / Assets ? |
0.17%
-8.7% YoY
+94.9% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.9%
-1.0pp YoY -1.3pp QoQ |
-1.2pp | 22.1% | 23.5% | 22.2% | 49% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
-0.5pp YoY -1.4pp QoQ |
-5.5pp | 11.6% | 8.4% | 12.5% | 26% |
| CRE |
38.9%
+1.9pp YoY -1.6pp QoQ |
-0.6pp | 39.5% | 42.8% | 41.4% | 50% |
| 1-4 Family |
13.5%
-0.1pp YoY +0.8pp QoQ |
-19.1pp | 32.6% | 33.0% | 31.3% | 17% |
| Consumer |
1.3%
-0.2pp YoY 0.0pp QoQ |
-2.8pp | 4.1% | 3.9% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
9.2%
-0.3pp YoY -0.1pp QoQ |
-3.0pp | 12.2% | 12.5% | 12.6% | 15% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
145
-1 (-0.7%) YoY -1 (-0.7%) QoQ |
+86 | 58 | 107 | 482 | 97% |
| Assets per Employee ($) |
$6.1M
+10.2% YoY +3.2% QoQ |
-$1.5M | $7.5M | $7.8M | $8.8M | 35% |
| Branch Count |
21
0 YoY 0 QoQ |
+16 | 4 | 7 | 18 | 100% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 13% |
| Allowance Coverage |
33.94x
+894.8% YoY +38.2% QoQ |
+9.79x | 24.15x | 12.16x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 35% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.0%
+0.9pp YoY -0.4pp QoQ |
+5.8pp | 12.2% | 9.7% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 33% |
| Net Income ($, YTD) |
$6.2M
+22.3% YoY — QoQ |
+$3.7M | $2.6M | $5.4M | $40.4M | 93% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.