BlastPoint's Banking Scorecard

West Pointe Bank

$100M-$1B Specialty: Commercial WI FDIC cert 34162

Oshkosh, WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

West Pointe Bank has 3 strengths but faces 4 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

+ Profitability Leader: Top 3.6% in tier
+ Net Interest Margin 1.89% above tier average
+ Efficiency Ratio 32.80% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 12.9% in tier
- Liquidity Strain: Bottom 48.5% in tier
- Nonperforming Asset Ratio 1.11% above tier average
- Delinquency Rate 1.30% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$374.1M +3.4% YoY +1.4% QoQ	-$12.0M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$300.3M +0.2% YoY -4.2% QoQ	+$44.6M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$266.0M +0.4% YoY +1.9% QoQ	-$61.9M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	2.90% +87.0% YoY +107.9% QoQ	+1.63%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 2.3% in tier
Net Interest Margin ?	5.82% +53.7% YoY +44.1% QoQ	+1.89%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Top 1.9% in tier
Efficiency Ratio ?	32.49% -34.9% YoY -34.3% QoQ	-32.80%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 1.4% in tier
Delinquency Rate ?	2.18% -1.6% QoQ	+1.30%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Bottom 10.8% in tier
Loan-to-Deposit Ratio ?	112.87% -0.2% YoY -6.0% QoQ	+36.23%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 2.1% in tier
Non-Interest-Bearing Deposit Share ?	14.11% +19.8% YoY +28.2% QoQ	-7.91%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	1.75% -7.0% QoQ	+1.11%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 8.7% in tier
Tier 1 Capital Ratio ?	18.97% -12.7% YoY -13.1% QoQ	+3.14%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.07% -10.3% YoY -72.5% QoQ	-0.21%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	31%

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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 (1)

Profitability Leader

growth

#25 of 666 • Top 3.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.90%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Liquidity Overhang

risk

#96 of 739 • Bottom 12.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.97%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 112.87%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#313 of 643 • Bottom 48.5% 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: 112.87%

(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

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)

Efficiency Ratio

profitability

Value: 32.49%

Peer Median: 65.29%

#37 of 2664 Top 1.4% in $100M-$1B

Net Interest Margin

profitability

Value: 5.82%

Peer Median: 3.93%

#51 of 2664 Top 1.9% in $100M-$1B

Return on Assets

profitability

Value: 2.90%

Peer Median: 1.27%

#62 of 2664 Top 2.3% in $100M-$1B

419

Tier 1 Capital Ratio

capital

Value: 18.97%

Peer Median: 15.83%

#419 of 2664 Top 15.7% in $100M-$1B

Top Weaknesses (4 metrics)

2609

Loan-to-Deposit Ratio

liquidity

Value: 112.87%

Peer Median: 76.64%

#2609 of 2664 Bottom 2.1% in $100M-$1B

2434

Nonperforming Asset Ratio

credit_quality

Value: 1.75%

Peer Median: 0.64%

#2434 of 2664 Bottom 8.7% in $100M-$1B

2368

Delinquency Rate

credit_quality

Value: 2.18%

Peer Median: 0.89%

#2368 of 2654 Bottom 10.8% in $100M-$1B

2112

Non-Interest-Bearing Deposit Share

funding

Value: 14.11%

Peer Median: 22.02%

#2112 of 2664 Bottom 20.8% in $100M-$1B