Points West Community Bank
Points West Community Bank is a privately held, family-owned community bank serving individuals and small-to-mid-sized businesses across 20 branches in Colorado, Nebraska, and Wyoming, offering consumer, mortgage, commercial, and agricultural banking alongside cash-management and investment services.
- Company typePrivate
- Founded1906
- HeadquartersFort Collins, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Points West Community Bank does
Points West Community Bank is an FDIC-insured, privately held community bank founded in 1906 in Lisco, Nebraska, and now operated under fourth-generation family ownership. It serves retail and small-to-mid-sized business customers across 20 branches spanning the Colorado Front Range, the Nebraska Panhandle, and eastern Wyoming. The bank delivers personal and business deposit products (checking variants, money market, HSA, CDs, IRAs), consumer and mortgage lending, commercial real estate and agricultural lending, and small-business cash management including ACH origination, Positive Pay, wire transfer, mobile deposit capture, and 3D Secure authentication. A unified digital channel, Points West Mobile, supports in-app E-Statements, Zelle, and consolidated personal/business access; supplementary offerings include merchant services through Evolv, investment and insurance through LPL Financial (Investment Center Advisor Group), and Medicare advising through Dan the Medicare Man.
The bank generates revenue primarily through net interest income on consumer, mortgage, commercial, and agricultural loans, supplemented by service charges, transaction fees, merchant services referral economics, and investment and Medicare advisory commissions. Distribution is branch-led and relationship-driven—local decision-making and community involvement are positioned as core differentiators—with digital and phone banking as supporting channels. Account opening remains in-person at branches.
Strategic positioning is anchored on 118+ years of continuous operation (including the original Lisco branch), 58 consecutive quarters of BauerFinancial 5-star ratings, and recent inorganic expansion via the absorption of Berkley Bank and the acquisition of State Bank of Downs (2026-04-09). The bank has been recognized among Northern Colorado's Mercury 100 fastest-growing private companies and as a Top 5 Best Place to Work in Colorado, indicating both operational momentum and employer brand strength within its tri-state footprint.
Points West Community Bank firmographics
Firmographics- Name
- Points West Community Bank
- Legal name
- Points West Community Bank
- Website
- https://pwcbank.com
- Company type
- Private
- Founded year
- 1906
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Points West Community Bank is a privately held, family-owned community bank serving individuals and small-to-mid-sized businesses across 20 branches in Colorado, Nebraska, and Wyoming, offering consumer, mortgage, commercial, and agricultural banking alongside cash-management and investment services.
- Ownership category
- akta.pro rank
Points West Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)
Keywords
Where Points West Community Bank is headquartered
LocationHeadquarters
- HQ city
- Fort Collins
- HQ country
- United States
- HQ region
- North America
Offices17 records
Markets served
Points West Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Interest income from loans (consumer, mortgage, commercial, agricultural) minus interest paid on deposits. Core revenue driver for community bank.
- Service Charges and Fees: Monthly service fees on certain accounts, transaction fees (per-transaction charges after free tier limits), and other banking service fees.
- Merchant Services Revenue: Revenue from merchant services partnership with Evolv, offering payment processing to business customers.
- Investment Services Commissions: Commissions from investment products and advisory services offered through LPL Financial partnership.
- Medicare Advising Referrals: Partnership with Dan the Medicare Man providing Medicare advising services to bank customers, potentially generating referral revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Small Business Checking - Free basic checking for startups and sole proprietors |
| Transaction based/ take rate | Monthly | Commercial Checking - High-volume business checking |
| Transaction based/ take rate | Monthly | Business Interest Checking - Interest-earning business checking |
| Subscription | Pay-as-you-go | Business Savings - High-yield business savings |
| Subscription | Monthly | Premier Interest Checking - High-yield personal checking |
| Subscription | Monthly | Money Market Account - Flexible savings with competitive rates |
| Subscription | Multi-year contract | Certificates of Deposit - Fixed-rate term savings |
| Subscription | Pay-as-you-go | Health Savings Account - Tax-advantaged medical savings |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
Points West Community Bank product offering
Product offeringCore offering
Points West Community Bank provides personal and business deposit products (checking, savings, money market, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, consumer loans, commercial real estate, agricultural loans), credit cards, treasury management services (Positive Pay, ACH origination, wire transfers), merchant services, and digital banking via mobile and online channels. The bank also offers investment services and Medicare advising delivered through a partner relationship.
Product overview
Points West Community Bank offers a comprehensive suite of banking products and services across personal and business segments. The core digital platform is Points West Mobile, a unified mobile and online banking application. Personal banking includes multiple checking account options (1906 Express, Senior, and Premier Interest), savings products (Money Market, HSA, CDs, IRAs), lending (Consumer, Mortgage), and Credit Cards. Business banking offers Small Business, Commercial, and Business Interest Checking accounts, plus Business Savings. Cash management services include Positive Pay (fraud prevention), ACH Origination, Wire Transfers, 3D Secure, Mobile Deposit Capture, and Merchant Services via Evolv. Additional services include Zelle for P2P payments, Medicare Advising through Dan the Medicare Man, and Investment Services through LPL Financial. The bank operates 20 branches across Colorado, Nebraska, and Wyoming with digital-first service delivery.
Differentiator
Problem solved
Functional benefit
Brands
- Points West Mobile: Mobile banking application for both personal and business accounts
- Investment Center Advisor Group
Products and services
- 1906 Express Checking Account
Quantifiable outcome
- 58 consecutive quarters of 5-star BauerFinancial rating
- +3 more outcomes
Companies that use Points West Community Bank
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
Points West Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
Points West Community Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- EvolvcorePoints West has partnered with Evolv as their preferred merchant services vendor. Evolv offers Points West business customers wholesale pricing on payment processing, cutting edge payment acceptance technology, and compliance support. This partnership enables the bank to provide comprehensive merchant services to business customers.
- LPL FinancialcorePoints West Community Bank offers investment services and securities through affiliation with LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC). Investment Center Advisor Group provides investment products and services through this partnership. Insurance products are also offered through LPL or its licensed affiliates.
- Dan the Medicare Man (Dan Kuntz)minorDan Kuntz provides personalized Medicare advising services in partnership with Points West Community Bank. Dan offers complimentary consultations to help customers navigate Medicare options including Supplement Plans, Advantage Plans, Part D prescription coverage, and Dental & Vision Insurance.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Points West Community Bank competitors and assessment
Company assessmentRegional players
- Bellco Credit Union: Colorado-based member-owned credit union offering consumer and business banking across the Front Range—competes for the same Colorado retail and small-business deposits as Points West but operates as a cooperative rather than a chartered bank.
- Westerra Credit Union: Colorado-based credit union serving the Denver metro and Front Range region—competes with Points West for consumer and small-business deposits and loans in overlapping Colorado markets, though structured as a member-owned cooperative.
Broad incumbents
- Glacier Bancorp: Multi-state community bank holding company with branches across the Mountain West—comparable community-banking roll-up strategy and rural-market focus, though materially larger and more diversified geographically.
- Pinnacle Bank: Nebraska-headquartered community bank with multi-state presence offering commercial, ag, and consumer banking—comparable in agricultural lending expertise and community-bank ethos but materially larger.
- First Interstate BancSystem: Multi-state community bank holding company operating across the Mountain West and Midwest, including Wyoming and Colorado—comparable footprint and community banking model but significantly larger scale.
- First National Bank of Omaha: Larger Nebraska-based regional bank offering full commercial and consumer banking across multiple states—comparable in Nebraska/community-bank DNA but operates at significantly greater scale and geographic breadth.
- HTLF / Heartland Financial USA: Multi-state community bank holding company with operations across the Midwest, Mountain West, and Southwest—comparable in community-bank acquisition strategy and diversified personal/business banking product set, but at substantially greater scale.
Direct peers
- ANB Bank: Wyoming- and Colorado-based community bank with a comparable rural/mountain-West footprint, full personal and business banking suite, and similar relationship-banking model—directly comparable to Points West's tri-state presence and customer mix.
- TBK Bank: Multi-state community bank holding company with personal, business, and mortgage lending across rural and mid-sized markets—directly comparable as a community-focused bank pursuing acquisitions and branch expansion.
- Adams Bank & Trust: Nebraska community bank serving rural and small-town markets with personal, business, and agricultural lending products—closely comparable in size, agricultural focus, and tri-state Nebraska/Colorado operating geography.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Points West Community Bank compliance and trust
Trust signalCompliance2 records
Points West Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Points West Community Bank leadership team
Management profileNumber of profiles
Profiles3 records
Points West Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Points West Community Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Points West Community Bank
What does Points West Community Bank do?
Points West Community Bank provides personal and business deposit products (checking, savings, money market, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, consumer loans, commercial real estate, agricultural loans), credit cards, treasury management services (Positive Pay, ACH origination, wire transfers), merchant services, and digital banking via mobile and online channels. The bank also offers investment services and Medicare advising delivered through a partner relationship.
Is Points West Community Bank a public or private company?
Points West Community Bank is a private company. It is classified as family owned and is currently operating.
When was Points West Community Bank founded?
Points West Community Bank was founded in 1906. It employs 51 to 100 people.
Where is Points West Community Bank based?
Points West Community Bank is headquartered in Fort Collins, United States, in the North America region.
How does Points West Community Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are service Charges and Fees, merchant Services Revenue, investment Services Commissions and medicare Advising Referrals.
Who are Points West Community Bank's main competitors?
Regional players on record are Bellco Credit Union and Westerra Credit Union. Broad incumbents are Glacier Bancorp, Pinnacle Bank, First Interstate BancSystem, First National Bank of Omaha and HTLF / Heartland Financial USA. Direct peers are ANB Bank, TBK Bank and Adams Bank & Trust.
Does Points West Community Bank have an API?
No public API is recorded for Points West Community Bank.
What industry is Points West Community Bank in?
Points West Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 52211 and its SIC code is 6022.