West Point Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 4.4% from Q1 2026 to Q2 2026, ending at $41.5M against $39.8M. It was the largest change among the key lines on this page. West Point Bank ranks 60th of 69 Kentucky banks on CET1 ratio, in the lower half at 11.73% (Q2 2026). West Point Bank reported 11.73% on CET1 ratio for Q2 2026, 3.35 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.73% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 12.30% |
| Tier 1 leverage ratio | 8.55% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $48.9M |
| Tier 1 capital | $48.9M |
| Total risk-based capital | $51.3M |
| Total equity capital | $41.5M |
| Risk-weighted assets | $416.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.41% |
| Tangible equity to tangible assets | 7.41% |
| Equity capital to average assets | 7.26% |
| Internal capital growth rate | 12.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $6.1M |
| Retained earnings | $41.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.71% | 11.71% | 12.19% | 9.00% | $335.4M |
| Q4 2023 | 11.39% | 11.39% | 11.92% | 8.56% | $346.1M |
| Q1 2024 | 11.06% | 11.06% | 11.60% | 8.29% | $358.7M |
| Q2 2024 | 10.92% | 10.92% | 11.46% | 7.94% | $366.5M |
| Q3 2024 | 10.80% | 10.80% | 11.34% | 7.94% | $375.3M |
| Q4 2024 | 10.54% | 10.54% | 11.08% | 7.87% | $394.9M |
| Q1 2025 | 10.65% | 10.65% | 11.18% | 7.82% | $399.2M |
| Q2 2025 | 10.84% | 10.84% | 11.41% | 7.98% | $402.6M |
| Q3 2025 | 11.03% | 11.03% | 11.59% | 8.16% | $407.6M |
| Q4 2025 | 11.25% | 11.25% | 11.81% | 8.28% | $409.8M |
| Q1 2026 | 11.43% | 11.43% | 11.98% | 8.46% | $417.2M |
| Q2 2026 | 11.73% | 11.73% | 12.30% | 8.55% | $416.7M |
West Point Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Point Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full West Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12166) · FFIEC NIC profile (RSSD 79042)