BlastPoint's Banking Scorecard

Points West Community Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 3031

Windsor, CO

21 branches across CO · NE · WY

2664 banks in the $100M-$1B peer group nationally 49 in CO

Points West Community Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.24% above tier average
+ Efficiency Ratio 4.28% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 42.3% in tier
- Net Interest Margin 0.16% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$855.9M +6.6% YoY +2.6% QoQ	+$469.8M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	Top 5.5% in tier
Total Loans ?	$462.0M -0.0% YoY +0.9% QoQ	+$206.3M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	Top 14.5% in tier
Total Deposits ?	$763.6M +6.8% YoY +3.1% QoQ	+$435.6M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	Top 3.9% in tier
Return on Assets ?	1.51% +19.4% YoY +15.0% QoQ	+0.24%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	3.77% +6.0% YoY +1.4% QoQ	-0.16%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	61.01% -2.8% YoY -4.5% QoQ	-4.28%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.08% -72.3% YoY -63.0% QoQ	-0.81%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	60.50% -6.4% YoY -2.1% QoQ	-16.14%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	22.27% +3.6% YoY +2.5% QoQ	+0.25%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.04% -74.0% YoY -63.6% QoQ	-0.60%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	9.36% -0.9% YoY -2.8% QoQ	-6.47%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Bottom 3.0% in tier
Non-Interest Income / Assets ?	0.09% +1.2% YoY -76.0% QoQ	-0.19%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#283 of 666 • Bottom 42.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.36%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

106

Total Deposits

size

Value: $763.61M

Peer Median: $327.97M

#106 of 2664 Top 3.9% in $100M-$1B

148

Total Assets

size

Value: $855.90M

Peer Median: $386.08M

#148 of 2664 Top 5.5% in $100M-$1B

386

Total Loans

size

Value: $461.98M

Peer Median: $255.72M

#386 of 2664 Top 14.5% in $100M-$1B

515

Loan-to-Deposit Ratio

liquidity

Value: 60.50%

Peer Median: 76.64%

#515 of 2664 Top 19.3% in $100M-$1B

549

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#549 of 2664 Top 20.6% in $100M-$1B

635

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#635 of 2654 Top 23.9% in $100M-$1B

Top Weaknesses (1 metrics)

2585

Tier 1 Capital Ratio

capital

Value: 9.36%

Peer Median: 15.83%

#2585 of 2664 Bottom 3.0% in $100M-$1B