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West Point Bank

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

Radcliff, KY

5 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +6.1% year over year ($475.7M on the books).
  • Delinquency rate 0.94%.
  • Return on assets 1.08%.
  • Efficiency ratio 54.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

West Point Bank has 1 strength but faces 3 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 9.49% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 20.5% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.87% below tier average
Get updates when West Point Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $560.6M
+4.0% YoY -1.7% QoQ
+$174.0M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $441.1M
+3.9% YoY +0.5% QoQ
+$182.7M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $475.7M
+6.1% YoY -2.2% QoQ
+$148.9M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.08%
+24.2% YoY -10.0% QoQ
-0.24% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.12%
+8.4% YoY +0.6% QoQ
-0.87% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 13.3% in tier
Efficiency Ratio ? 54.99%
-8.2% YoY +8.4% QoQ
-9.49% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.94%
+564.5% YoY +74.9% QoQ
+0.02% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 92.73%
-2.1% YoY +2.7% QoQ
+14.78% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 18.60%
+4.0% YoY +4.7% QoQ
-3.43% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.74%
+563.4% YoY +78.8% QoQ
+0.07% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 11.73%
+8.2% YoY +2.7% QoQ
-4.18% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.12%
+5.0% YoY +111.0% QoQ
-0.45% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 18.6%
+0.7pp YoY
+0.8pp QoQ
 -3.5pp 22.1% 23.5% 22.2% 38%
Brokered Deposits 11.7%
-1.5pp YoY
-0.8pp QoQ
 +3.9pp 7.9% 5.4% 8.5% 79%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 4.8%
-0.1pp YoY
-0.1pp QoQ
 -6.7pp 11.6% 8.6% 12.5% 19%
CRE 45.7%
-0.8pp YoY
+0.4pp QoQ
 +6.1pp 39.5% 37.1% 41.4% 63%
1-4 Family 40.4%
0.0pp YoY
-0.6pp QoQ
 +7.8pp 32.6% 41.6% 31.3% 71%
Consumer 0.8%
-0.2pp YoY
-0.2pp QoQ
 -3.3pp 4.1% 4.8% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 11.7%
+0.9pp YoY
+0.3pp QoQ
 -7.1pp 18.8% 20.2% 19.7% 14%
Leverage Ratio 8.5%
+0.6pp YoY
+0.1pp QoQ
 -3.6pp 12.2% 14.0% 12.6% 7%
Total Capital Ratio 12.3%
+0.9pp YoY
+0.3pp QoQ
 -7.6pp 19.9% 21.3% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 55
+4 (+7.8%) YoY
+1 (+1.9%) QoQ
 -4 58 105 482 58%
Assets per Employee ($) $10.2M
-3.5% YoY
-3.5% QoQ
 +$2.7M $7.5M $6.3M $8.8M 87%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.9%
+0.8pp YoY
+0.4pp QoQ
 0.0pp 0.9% 0.8% 1.0% 70%
Allowance Coverage 0.55x
-84.8% YoY
-40.7% QoQ
 -23.60x 24.15x 7.45x 20.23x 12%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 15.1%
+1.0pp YoY
-2.0pp QoQ
 +2.9pp 12.2% 13.3% 11.6% 68%
Cost of Funds (YTD) 3.0%
-0.5pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.7% 1.7% 97%
Net Income ($, YTD) $3.0M
+30.7% YoY
— QoQ
 +$473K $2.6M $5.1M $40.4M 70%

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 (1)

Liquidity Strain

risk
#143 of 691 • Bottom 20.5% 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: 92.73%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

450
Total Loans
size
Value: $441.09M
Peer Median: $258.35M
#450 of 2643 Top 17.0% in $100M-$1B
595
Total Deposits
size
Value: $475.65M
Peer Median: $326.73M
#595 of 2643 Top 22.5% in $100M-$1B
603
Total Assets
size
Value: $560.61M
Peer Median: $386.57M
#603 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (3 metrics)

2292
Net Interest Margin
profitability
Value: 3.12%
Peer Median: 3.99%
#2292 of 2643 Bottom 13.3% in $100M-$1B
2094
Loan-to-Deposit Ratio
liquidity
Value: 92.73%
Peer Median: 77.95%
#2094 of 2643 Bottom 20.8% in $100M-$1B
2010
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#2010 of 2643 Bottom 24.0% in $100M-$1B
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