West Point Bank
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Data as of · sourced from FFIEC call reports. How we update
West Point Bank is an FDIC-insured commercial bank headquartered in Radcliff, KY, established in 1914 (FDIC certificate 12166), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $560.6M, up 4.0% from Q2 2025, the 33rd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.73% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12166
- Headquarters
- Radcliff, KY
- Established
- 1914
- Total assets, Q2 2026
- $560.6M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 11.73%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 083906668
- Holding company
- FIRST BRECKINRIDGE BANCSHARES, INC.
- Asset rank in state
- 33rd of 120 in Kentucky
Problem loans are rising at West Point Bank. The Radcliff, Kentucky bank had $561 million in assets at June 30, 2026, up 4.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.93% of loans from 0.14% a year earlier. It pays an average of 3.03% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also funds 8.55% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.9 million equal 20% of Tier 1 capital, down from 29% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, 2.7 times the median of 1.2 times for banks its size.
As of June 30, 2026, West Point Bank reported a CET1 capital ratio of 11.73%, a return on assets of 0.94%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 9.45%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, West Point Bank is the 33rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $560.6M, loans rose 0.5% and deposits fell 2.2%. 1-4 family residential loans made up 40.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 21.3%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in KY; its Elizabethtown office books 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, West Point Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 600 W Lincoln Trail Blvd, Radcliff, KY 40160
- County
- Hardin
- Metro Area
- Elizabethtown, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 1, 1914
- Former names
- West Point National Bank (1988-1993)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $475.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $572.0M
- Average total loans
- $442.2M
- Average interest-bearing deposits
- $390.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12166
- Fed RSSD
- 79042
- SEC CIK
- 2127309 → filed by FIRST BRECKINRIDGE BANCSHARES, INC.
- Website
- www.westpointbank.com →
- Parent Holding Company
- FIRST BRECKINRIDGE BANCSHARES, INC. (RSSD 1119404)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, West Point Bank's total assets ran between $449.8M (Q3 2023) and $570.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$560.6M total assets against $538.9M; $519.1M total liabilities against $504.7M.
$441.1M net loans and leases against $424.7M; $475.7M total deposits against $448.2M.
$73.4M securities against $76.7M; $20.8M cash and balances due against $13.0M.
$8.1M total interest income against $8.0M; $3.9M total interest expense against $4.3M.
$4.2M net interest income against $3.8M.
$336K total noninterest income against $314K; $2.7M total noninterest expense against $2.3M.
$104K provision for credit losses against $149K.
$1.3M net income against $1.3M.
0.94% return on assets against 0.92%; 3.08% net interest margin against 2.90%.
11.73% CET1 capital ratio against 10.84%; 8.55% tier 1 leverage ratio against 7.98%.
Inside the full West Point Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
West Point Bank rankings
Its closest position to the top of a national ranking is 689 of 3,640, for Texas Ratio; its furthest is 1,796 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.53% (Q3 2024) to 1.20% (Q1 2026) and its net interest margin ran from 2.37% (Q3 2024) to 3.10% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 0.94% | 0.93% | 9.45% | 3.08% |
| Q1 2026 | 11.43% | 1.20% | 0.53% | 5.62% | 3.10% |
| Q4 2025 | 11.25% | 0.93% | 0.15% | 1.64% | 2.99% |
| Q3 2025 | 11.03% | 1.05% | 0.47% | 5.19% | 2.79% |
| Q2 2025 | 10.84% | 0.92% | 0.14% | 1.65% | 2.90% |
| Q1 2025 | 10.65% | 0.78% | 0.27% | 3.24% | 2.71% |
| Q4 2024 | 10.54% | 0.91% | 0.14% | 1.73% | 2.65% |
| Q3 2024 | 10.80% | 0.53% | 0.05% | 0.53% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Point Ban K | Elizabethtown , KY | 42701 | $371.5M |
| Upton Branch | Upton , KY | 42784 | $36.1M |
| West Point Bank (main office) | Radcliff , KY | 40160 | $35.2M |
| West Point Branch | West Point , KY | 40177 | $18.6M |
| Glendale Branch | Glendale , KY | 42740 | $14.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KY, rank 51 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 313 applications, 264 loans originated, $48.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about West Point Bank
What are West Point Bank's total assets?
As of the Q2 2026 filing, West Point Bank reported total assets of $560.6 million in its FFIEC call report.
Where is West Point Bank headquartered?
It is headquartered in Radcliff, KY, United States.
When was West Point Bank founded?
It was established in 1914, per the FDIC institution directory.
Is West Point Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12166). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Point Bank?
West Point Bank's primary federal regulator is the FDIC.
What is West Point Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does West Point Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Point Bank's Texas Ratio?
Its Texas Ratio is 9.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was West Point Bank previously called?
The charter now named West Point Bank has also operated as West Point National Bank (1988-1993), per FDIC structure-change records.
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