BlastPoint's Banking Scorecard

West Point Bank

$100M-$1B Specialty: Commercial KY FDIC cert 12166

Radcliff, KY

5 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

West Point Bank has 2 strengths but faces 5 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

+ Efficiency Ratio 14.53% below tier average
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 20.1% in tier
- Credit Risk Growth: Bottom 26.9% in tier
- Credit Quality Pressure: Bottom 41.9% in tier
- ROA 0.07% below tier average
- Net Interest Margin 0.83% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$570.5M +6.5% YoY +3.2% QoQ	+$184.5M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$439.0M +4.8% YoY +0.6% QoQ	+$183.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$486.2M +8.8% YoY +3.2% QoQ	+$158.2M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.20% +50.8% YoY +27.9% QoQ	-0.07%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	3.10% +11.3% YoY +6.5% QoQ	-0.83%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Bottom 14.2% in tier
Efficiency Ratio ?	50.75% -20.6% YoY -13.0% QoQ	-14.53%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.54% +98.2% YoY +248.2% QoQ	-0.35%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	90.30% -3.7% YoY -2.6% QoQ	+13.66%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	17.76% +1.5% YoY -1.7% QoQ	-4.26%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.41% +95.1% YoY +239.3% QoQ	-0.22%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	11.43% +7.3% YoY +1.5% QoQ	-4.40%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.05% +5.0% YoY -74.7% QoQ	-0.23%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	22%

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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 (3)

Liquidity Strain

risk

#130 of 643 • Bottom 20.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.30%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#263 of 973 • Bottom 26.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#549 of 1308 • Bottom 41.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.54%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 (4 metrics)

443

Total Loans

size

Value: $439.02M

Peer Median: $255.72M

#443 of 2664 Top 16.6% in $100M-$1B

460

Efficiency Ratio

profitability

Value: 50.75%

Peer Median: 65.29%

#460 of 2664 Top 17.2% in $100M-$1B

578

Total Assets

size

Value: $570.55M

Peer Median: $386.08M

#578 of 2664 Top 21.7% in $100M-$1B

582

Total Deposits

size

Value: $486.20M

Peer Median: $327.97M

#582 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (3 metrics)

2286

Net Interest Margin

profitability

Value: 3.10%

Peer Median: 3.93%

#2286 of 2664 Bottom 14.2% in $100M-$1B

2069

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2069 of 2664 Bottom 22.4% in $100M-$1B

2034

Loan-to-Deposit Ratio

liquidity

Value: 90.30%

Peer Median: 76.64%

#2034 of 2664 Bottom 23.7% in $100M-$1B