West Pointe Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Pointe Bank of Oshkosh, WI 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 | 1.76% | 1.25% | +0.51% | 76th top |
| ROAE | 9.17% | 13.17% | -4.00% | 30th below |
| Net Interest Margin | 4.22% | 3.95% | +0.27% | 65th above |
| Efficiency Ratio | 48.41% | 61.50% | -13.09% | 83rd top |
| PPNR / Avg Assets | 2.22% | — | — | 80th top |
| Yield on Earning Assets | 6.32% | 5.67% | +0.65% | 81st top |
| Cost of Funds | 2.55% | 1.87% | +0.68% | 13th bottom |
| Net Interest Spread | 3.44% | — | — | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.93% | +0.05% | 29th below |
| NPA / Total Assets | 0.82% | — | — | 26th below |
| NCO / Avg Loans | -0.20% | 0.15% | -0.35% | 98th top |
| ACL / Total Loans | 2.86% | — | — | 98th top |
| ACL / NPLs (Coverage) | 293.79% | — | — | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.52% | 6.06% | -2.54% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.41% | 11.75% | +7.66% | 95th top |
| Equity / Assets | 19.32% | 10.98% | +8.34% | 96th top |
| TCE / Tangible Assets | 19.32% | — | — | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 119.37% | 80.44% | +38.93% | 2nd bottom |
| Core Deposit Ratio | 72.72% | 86.95% | -14.23% | 7th bottom |
| Wholesale Funding Ratio | 8.63% | — | — | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.08% | — | — | 19th bottom |
| Loan Growth (Y/Y) | -1.58% | — | — | 16th bottom |
| Deposit Growth (Y/Y) | -1.34% | — | — | 16th bottom |
See West Pointe Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Pointe 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 Pointe 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 Pointe Bank peer analysis.