Points West Community Bank (FDIC #3031): Bank Stress & Real-Estate Credit Exposure
Points West Community Bank (FDIC Cert #3031): bank stress 69/100, elevated, STABLE over 7 days; parent FIRST NEBRASKA BANCS INC.
Points West Community Bank (#3031) lends in 12 counties across 3 states; Points West Community Bank (#3031) reaches 120 ZIP codes: Nebraska 5 counties, 27 ZIPs; Colorado 4 counties, 67 ZIPs; Wyoming 3 counties, 29 ZIPs.
Points West Community Bank (#3031) largest markets: Weld County, CO (215 branches, 43 ZIPs) (#3031), Larimer County, CO (72 branches, 24 ZIPs) (#3031), Laramie County, WY (13 branches, 13 ZIPs) (#3031), Goshen County, WY (24 branches, 12 ZIPs) (#3031), Garden County, NE (9 branches, 9 ZIPs) (#3031), Nance County, NE (8 branches, 8 ZIPs) (#3031).
Points West Community Bank (#3031) reports $877.6 million in total assets; Points West Community Bank (#3031) equity $69.2 million (7.9% of Points West Community Bank (#3031) assets); Points West Community Bank (#3031) domestic deposits $768.0 million; Points West Community Bank (#3031) net income $6.2 million; Points West Community Bank (#3031) return on assets 1.45%; Points West Community Bank (#3031) return on equity 17.96%; Points West Community Bank (#3031) net interest income $15.4 million; Points West Community Bank (#3031) call report June 30, 2026.
Points West Community Bank (#3031) noncurrent real-estate loans: none reported; Points West Community Bank (#3031) net charge-offs on real estate 0.00%.
Points West Community Bank (#3031) net interest margin 3.84% against an eight-quarter Points West Community Bank (#3031) average of 3.61% (Points West Community Bank (#3031) compression -0.23 points); Points West Community Bank (#3031) rate-exposure score 40/100, Points West Community Bank (#3031) fixed-rate trap 40/100; Points West Community Bank (#3031) risk type credit driven; Points West Community Bank (#3031) rate regime rates elevated, Points West Community Bank (#3031) snapshot October 19, 2026.
Points West Community Bank (#3031) stress score moved from 65.6 on June 22, 2026 to 69 on October 20, 2026; Points West Community Bank (#3031) ranged 65.6 to 69 over 117 snapshots.
Points West Community Bank (#3031) alerts: 12 counties; top Points West Community Bank (#3031) alert scores: Douglas County, CO 44 (moderate); Chappell County, CO 24 (low); Fullerton County, CO 24 (low); Haxtun County, CO 24 (low); Julesburg County, CO 24 (low).