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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Points West Community Bank

Windsor, Colorado · $878M in assets · beside the 11 other Colorado banks between $300M and $1B

The filing

7.9%
Equity / assets
12th of 12
33.9x
Coverage of noncurrent
1st of 10
61.0%
Loans / deposits
2nd of 12

Points West Community Bank is the largest of the 12 Colorado banks nearest its size between $300M and $1B, with $878M in assets at 30 June 2026. Loans are 61.0% of deposits, 2nd of 12 against a median of 83.4%, and equity is 7.9% of assets, the lowest in the cohort. Loans grew -1.2% in the year, 11th of 12, and deposits grew 7.5%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.06% of the book, 5th of 12 against a median of 0.07%; 0.33% is 30 to 89 days past due, and the allowance covers them 33.9 times. Commercial real estate is 27.0% of loans, 7th of 12 against a median of 25.9%, and 155% of capital, below the 300% screen, with construction at 60% against the 100% screen.

Return on assets is 1.40%, 8th of 12 against a median of 1.69%, on an efficiency ratio of 63.1%, 6th of 12. Five years ago it was 1.59%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Equity as a share of assetsCO banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 10.6% AN Amg National Trust Bank 17.1% FS First Southwest Bank 13.3% EC Eastern Colorado Bank 11.3% FN First National Bank Colorado 10.9% PT PB & Trust Bank 10.7% SB Stockmens Bank 10.6% MV Mountain Valley Bank 10.6% HP High Plains Bank 10.1% HC High Country Bank 9.3% YV Yampa Valley Bank 8.5% TB Timberline Bank 8.2% PW Points West Community Bank 7.9%
Loans, year over yearCO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% PT PB & Trust Bank +18.9% FN First National Bank Colorado +14.7% FS First Southwest Bank +8.7% TB Timberline Bank +6.4% YV Yampa Valley Bank +4.3% HC High Country Bank +3.5% MV Mountain Valley Bank +1.6% AN Amg National Trust Bank -0.7% PW Points West Community Bank -1.2% EC Eastern Colorado Bank -5.9%

SBA 7(a), FY2008 to FY2026

Points West Community Bank is the 123rd largest 7(a) lender into Colorado of 401, with $10M across 12 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 9 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Larimer, CO$8M25th of 1331.0%thin
Weld, CO$2M56th of 1060.3%quiet FY2020
Keith, NE$1M4th of 186.8%quiet FY2022
Cheyenne, NE$795K5th of 108.1%quiet FY2014
Goshen, WY$148K8th of 81.2%quiet FY2010
Niobrara, WY$104K2nd of 39.9%quiet FY2012
Sedgwick, CO$84K3rd of 37.2%quiet FY2009
Kimball, NE$80K2nd of 317.4%quiet FY2010
Converse, WY$75K12th of 130.5%quiet FY2010
Deuel, NE$75K6th of 61.7%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services10$3M25.0%0.00%1042nd of 2,596
Agriculture, forestry & fishing2$3M21.5%0.03%281st of 1,007
Administrative & waste services1$2M19.0%0.02%520th of 1,763
Educational services1$2M12.4%0.03%356th of 1,136
Manufacturing1$887K7.3%0.00%1440th of 2,246
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and Points West Community Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans PW Points West Community Bank 0.1% $10M · 12 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, Points West Community Bank among them; owner-occupied excluded; bold marks a screen met
Points West Community BankRankCohort median
Total CRE against capital, the 300% screen155%6th of 12165%
Construction against capital, the 100% screen60%8th of 1254%
Construction and land development, share of loans10.5%8th of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans15.1%8th of 1213.7%
Total CRE, the guidance definition, share of loans27.0%7th of 1225.9%
CRE growth over 36 months, the third prong+40.6%8th of 12+30.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Points West Community Bank$878M1.4%63.1%0.06%0.00%1.9%61.0%7.9%
Timberline Bank$833M2.1%49.4%0.06%0.01%1.2%92.9%8.2%
PB & Trust Bank$815M2.3%59.7%0.54%0.00%1.3%85.1%10.7%
Amg National Trust Bank$723M2.4%63.5%0.04%0.00%1.0%46.5%17.1%
Eastern Colorado Bank$721M1.1%67.6%0.00%0.00%1.4%75.4%11.3%
Yampa Valley Bank$688M2.3%49.3%0.09%0.01%1.4%87.5%8.5%
First Southwest Bank$657M0.6%79.9%0.04%0.05%1.3%69.5%13.3%
Stockmens Bank$651M1.5%54.0%0.18%0.00%1.6%98.1%10.6%
High Plains Bank$643M1.9%69.6%0.70%0.03%1.1%81.6%10.1%
First National Bank Colorado$634M2.1%46.7%0.00%0.01%1.7%78.6%10.9%
Mountain Valley Bank$557M0.9%68.2%0.19%0.08%1.1%92.1%10.6%
High Country Bank$528M1.1%71.3%1.34%0.00%1.2%99.0%9.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Points West Community BankCohort median
20212026Change20212026Change
Loans$393M$468M+19%$300M$459M+53%
Deposits$703M$768M+9%$443M$580M+31%
NPA / loans0.46%0.06%-0.41 pts0.06%0.07%+0.01 pts
Efficiency55.6%63.1%+7.5 pts57.1%63.3%+6.2 pts
ROA1.59%1.40%-0.19 pts1.65%1.69%+0.04 pts

This read was prepared for Points West Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Points West Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CO banks $300M to $1B
Institution www.pwcbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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