West Pointe Bank
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Data as of · sourced from FFIEC call reports. How we update
West Pointe Bank is an FDIC-insured commercial bank headquartered in Oshkosh, WI, established in 1996 (FDIC certificate 34162), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $368.8M, up 0.1% from Q2 2025, the 81st largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.41% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34162
- Headquarters
- Oshkosh, WI
- Established
- 1996
- Total assets, Q2 2026
- $368.8M
- Assets vs Q2 2025
- +0.1%
- Tier 1 leverage ratio, Q2 2026
- 19.41%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075912835
- Latest call report
- Q2 2026, FFIEC 051 · West Pointe Bank call report
- Holding company
- WEST POINTE BANCSHARES, INC.
- Asset rank in state
- 81st of 153 in Wisconsin
West Pointe Bank carries far more capital than most banks of its size. The Oshkosh, Wisconsin bank had $369 million in assets at June 30, 2026. It funds 19.41% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it pays an average of 2.55% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.91% of loans from 3.07%. Its $49 million commercial and industrial book is improving, with 5.71% past due or on nonaccrual, down from 24.48% a year earlier.
As of June 30, 2026, West Pointe Bank reported a return on assets of 1.76%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 3.52%. The figures come from its call report filed with the FFIEC.
West Pointe Bank ranks as the 81st largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $368.8M, loans rose 0.5% and deposits fell 2.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.4% of total loans, followed by non-owner-occupied commercial real estate loans at 18.2%. Its one office in the FDIC Summary of Deposits is in Oshkosh, WI. Judged on its Q2 2026 call report, West Pointe Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1750 Witzel Ave, Oshkosh, WI 54902
- County
- Winnebago
- Metro Area
- Oshkosh-Neenah, WI
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 22, 1996
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $260.2M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- -$3.0M
- Average total assets
- $368.4M
- Average total loans
- $311.5M
- Average interest-bearing deposits
- $227.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 22, 1996
- FDIC Cert
- 34162
- Fed RSSD
- 2371816
- Website
- www.westptebank.com →
- Parent Holding Company
- WEST POINTE BANCSHARES, INC. (RSSD 2371807)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, West Pointe Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, West Pointe Bank's total assets ranged from $342.9M (Q3 2023) to $374.1M (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
$368.8M total assets against $368.5M; $297.6M total liabilities against $302.6M.
$301.7M net loans and leases against $310.7M; $260.2M total deposits against $263.8M.
$29.1M securities against $29.3M; $17.6M cash and balances due against $8.8M.
$5.6M total interest income against $5.5M; $1.9M total interest expense against $2.2M.
$3.8M net interest income against $3.4M.
$222K total noninterest income against $201K; $1.9M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$1.6M net income against $1.4M.
1.76% return on assets against 1.51%; 4.22% net interest margin against 3.85%.
19.41% tier 1 leverage ratio against 18.20%.
Inside the full West Pointe 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
West Pointe Bank rankings
Its closest position to the top of a national ranking is 654 of 3,606, for efficiency ratio; its furthest is 2,166 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q4 2025) to 2.90% (Q1 2026) and its net interest margin ran from 3.67% (Q3 2024) to 5.70% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.41% | 1.76% | 0.91% | 3.52% | 4.22% |
| Q1 2026 | 18.97% | 2.90% | 2.12% | 8.30% | 5.70% |
| Q4 2025 | 18.29% | 0.76% | 2.18% | 9.47% | 4.21% |
| Q3 2025 | 18.28% | 1.73% | 3.92% | 13.89% | 3.96% |
| Q2 2025 | 18.20% | 1.51% | 3.77% | 13.65% | 3.85% |
| Q1 2025 | 18.56% | 1.57% | 0.00% | 0.00% | 3.76% |
| Q4 2024 | 18.15% | 1.42% | 0.00% | 0.00% | 3.80% |
| Q3 2024 | 18.80% | 1.50% | 0.07% | 0.30% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Pointe Bank (main office) | Oshkosh , WI | 54902 | $260.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, WEST POINTE BANCSHARES, INC., not the bank itself
- July 15, 2011, Federal Reserve: Written Agreement: West Pointe Bancshares, Inc., Oshkosh, Wisconsin
- Period: Most recent institution action July 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 106 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 207 applications, 190 loans originated, $55.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $4.1M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Pointe Bank
What are West Pointe Bank's total assets?
As of the Q2 2026 filing, West Pointe Bank reported total assets of $368.8 million in its FFIEC call report.
Where is West Pointe Bank headquartered?
It is headquartered in Oshkosh, WI, United States.
When was West Pointe Bank founded?
It was established in 1996, per the FDIC institution directory.
Is West Pointe Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Pointe Bank?
West Pointe Bank's primary federal regulator is the FDIC.
How many branches does West Pointe Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Pointe Bank's Texas Ratio?
Its Texas Ratio is 3.52% 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.
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