WEST POINTE BANK

OSHKOSH, WI | Small | Est. April 22, 1996, midnight | FDIC #34162 | RSSD #2371816 | FDIC
Latest Report: 2025-12-31

WEST POINTE BANK is asn small FDIC-insured commercial bank headquartered in OSHKOSH, WI, established in April 22, 1996, midnight. As of 2025-12-31, the bank reported total assets of $369M and total deposits of $261M. Profitability stands at 0.77% ROA and 4.16% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 21.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.18% and a Texas Ratio of 9.47%. FDIC Certificate #34162.

Assets

$369M

Deposits

$261M

Loans

$319M

Equity

$68M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 4.16%
Net Interest Margin (NIM) 4.45%
Yield on Assets 6.87%
Cost of Funds 2.78%

Asset Quality

NPL Ratio 2.18%
Net Charge-Off Ratio 0.00%
Texas Ratio 9.47%
NPA Ratio 1.88%
ACL / Loans 1.81%

Capital & Liquidity

CET1 Ratio 21.85%
Tier 1 Capital 21.85%
Total Capital Ratio 23.10%
Leverage Ratio 18.29%
Loan-to-Deposit 122.24%

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