West Point Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) dropped 7.67 percentage points in Q2 2026, from 192.27% to 184.60%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, West Point Bank is 28th of 120 on loan-to-deposit ratio, 93.21% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. West Point Bank sits 12.66 points higher, at 93.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $443.4M |
| Net loans and leases | $441.1M |
| Loans held for sale | $167K |
| Loans to total assets | 79.09% |
| Loan-to-deposit ratio | 93.21% |
| Net loans to equity capital | 10.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.51% |
| Multifamily (5+ residential) | 5.63% |
| Commercial and industrial | 4.79% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 7.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 321.70% |
| Construction concentration (Tier 1 capital + allowance) | 184.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.74% |
| Interest income on loans | $7.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $345.7M | $344.5M | 22.06% | 5.09% | 1.35% |
| Q4 2023 | $363.1M | $366.8M | 20.20% | 3.96% | 1.14% |
| Q1 2024 | $379.0M | $368.3M | 18.90% | 4.64% | 1.07% |
| Q2 2024 | $385.3M | $367.2M | 18.27% | 4.81% | 1.08% |
| Q3 2024 | $392.8M | $406.4M | 17.94% | 5.84% | 1.04% |
| Q4 2024 | $414.9M | $433.1M | 19.01% | 5.03% | 1.00% |
| Q1 2025 | $421.1M | $446.8M | 19.32% | 4.80% | 0.99% |
| Q2 2025 | $426.8M | $448.2M | 19.17% | 4.93% | 1.00% |
| Q3 2025 | $433.9M | $460.5M | 19.29% | 5.11% | 1.01% |
| Q4 2025 | $438.6M | $470.9M | 18.75% | 4.87% | 0.97% |
| Q1 2026 | $441.2M | $486.2M | 18.54% | 4.92% | 0.97% |
| Q2 2026 | $443.4M | $475.7M | 18.51% | 4.79% | 0.81% |
West Point Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Point Bank, freeSource: Call Report Schedule RC-C, 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)