🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2020. CRA examination history below reflects the period it was active.

POINTS WEST COMMUNITY BANK

SIDNEY, NE · Supervised by FDIC

Est. 1980FDIC #25,127RSSD: FDIC-25127
Part ofFIRST NEBRASKA BANCS INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.45%

Institution Profile

FDIC BankFind

Address

809 Illinois Street, SIDNEY, NE

County

Cheyenne County

Established

September 15, 1980

Total Assets

$404M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$404M

Total Deposits

$345M

Net Loans

$218M

Net Income

$6M

ROA

1.45%

ROE

13.82%

Risk-Based Capital

18.29%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.66%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412277.87%10.66%
202312684.13%8.73%
202213688.24%6.62%
202115477.27%11.04%
202013873.19%10.87%
201915375.16%11.11%
201814084.29%5.71%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2013

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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