West Point Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Point Bank of Radcliff, KY against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.94% | 1.25% | -0.31% | 29th below |
| ROAE | 13.22% | 13.17% | +0.05% | 54th above |
| Net Interest Margin | 3.08% | 3.95% | -0.87% | 11th bottom |
| Efficiency Ratio | 58.53% | 61.50% | -2.97% | 57th above |
| PPNR / Avg Assets | 1.29% | — | — | 32nd below |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 3.03% | 1.87% | +1.16% | 5th bottom |
| Net Interest Spread | 2.33% | — | — | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 0.93% | +0.28% | 24th bottom |
| NPA / Total Assets | 0.96% | — | — | 22nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 0.51% | — | — | 3rd bottom |
| ACL / NPLs (Coverage) | 42.58% | — | — | 8th bottom |
| Texas Ratio | 9.45% | 6.06% | +3.39% | 19th bottom |
| Provision / NCO | 945.45% | — | — | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.73% | 17.18% | -5.45% | 14th bottom |
| Tier 1 Ratio | 11.73% | 17.21% | -5.48% | 14th bottom |
| Total Capital Ratio | 12.30% | — | — | 10th bottom |
| Leverage Ratio | 8.55% | 11.75% | -3.20% | 7th bottom |
| Equity / Assets | 7.41% | 10.98% | -3.57% | 8th bottom |
| TCE / Tangible Assets | 7.41% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.21% | 80.44% | +12.77% | 22nd bottom |
| Core Deposit Ratio | 79.93% | 86.95% | -7.02% | 16th bottom |
| Wholesale Funding Ratio | 7.22% | — | — | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.03% | — | — | 46th below |
| Loan Growth (Y/Y) | 3.87% | — | — | 41st below |
| Deposit Growth (Y/Y) | 6.12% | — | — | 65th above |
See West Point Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Point Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full West Point Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the West Point Bank peer analysis.