West Pointe Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 164.62 percentage points higher than in Q1 2026, at 293.79%. Within Wisconsin, West Pointe Bank is 27th of 153 on return on assets, 1.76% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. West Pointe Bank sits 0.51 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.41% |
| Equity capital to assets | 19.32% |
| Tangible equity to tangible assets | 19.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | -0.20% |
| Texas ratio | 3.52% |
| Allowance for credit losses to loans | 2.86% |
| Reserve coverage of non-performing loans | 293.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 9.17% |
| Net interest margin | 4.22% |
| Efficiency ratio | 48.41% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.37% |
| Core deposits to total deposits | 72.72% |
| Brokered deposits to total deposits | 16.31% |
| Deposits to assets | 70.56% |
| Securities to assets | 7.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.97% | 20.97% | 22.22% | 18.06% | 1.49% |
| Q4 2023 | 20.87% | 20.87% | 22.13% | 17.78% | 1.39% |
| Q1 2024 | 22.46% | 22.46% | 23.71% | 18.23% | 1.36% |
| Q2 2024 | 21.77% | 21.77% | 23.03% | 18.64% | 1.28% |
| Q3 2024 | 22.17% | 22.17% | 23.42% | 18.80% | 1.50% |
| Q4 2024 | 22.16% | 22.16% | 23.42% | 18.15% | 1.42% |
| Q1 2025 | 21.73% | 21.73% | 22.98% | 18.56% | 1.57% |
| Q2 2025 | 21.15% | 21.15% | 22.41% | 18.20% | 1.51% |
| Q3 2025 | 22.22% | 22.22% | 23.47% | 18.28% | 1.73% |
| Q4 2025 | 21.85% | 21.85% | 23.10% | 18.29% | 0.76% |
| Q1 2026 | — | — | — | 18.97% | 2.90% |
| Q2 2026 | — | — | — | 19.41% | 1.76% |
West Pointe Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Pointe Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Pointe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34162) · FFIEC NIC profile (RSSD 2371816)