WEST POINT BANK

RADCLIFF, KY | Medium | Est. July 1, 1914, midnight | FDIC #12166 | RSSD #79042 | FDIC
Latest Report: 2025-12-31

WEST POINT BANK is amn medium FDIC-insured commercial bank headquartered in RADCLIFF, KY, established in July 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $553M and total deposits of $471M. Profitability stands at 0.94% ROA and 13.69% ROE, with a net interest margin of 3.14%. The bank's CET1 capital ratio is 11.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.56%. FDIC Certificate #12166.

Assets

$553M

Deposits

$471M

Loans

$439M

Equity

$39M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 13.69%
Net Interest Margin (NIM) 3.14%
Yield on Assets 6.43%
Cost of Funds 3.27%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.56%
NPA Ratio 0.12%
ACL / Loans 0.50%

Capital & Liquidity

CET1 Ratio 11.25%
Tier 1 Capital 11.25%
Total Capital Ratio 11.81%
Leverage Ratio 8.28%
Loan-to-Deposit 93.14%

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