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West Point Bank
Radcliff, KY · FDIC Certificate #12166 · Chartered 07/0
Total assets
$560.61M
Total deposits
$475.65M
Total equity
$41.54M
Net loans
$441.09M
Branches (offices)
5
Net income (YTD)
$3.03M
Rank: #1,643 of 4,213 U.S. banks by assets · #33 of 120 in Kentucky. Assets changed 4.0% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 15.13% |
| Net interest margin (YTD) | 3.12% |
| Equity to assets | 7.41% |
| Tier 1 leverage ratio | 8.55% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 0.93% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 92.7% |
| Real estate loans (share of loans) | 93.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $413.72M | 93.8% | |
| Commercial & industrial | $21.22M | 4.8% | |
| Consumer / individual | $3.57M | 0.8% | |
| Construction & development | $94.48M | 21.4% | |
| Agricultural | $755.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $379.15M | $348.84M | $1.96M | $27.45M |
| Jun 2023 | $427.06M | $341.06M | $798.00K | $27.69M |
| Jun 2024 | $492.41M | $367.24M | $953.00K | $29.44M |
| Jun 2025 | $538.89M | $448.24M | $2.32M | $34.22M |
| Jun 2026 | $560.61M | $475.65M | $3.03M | $41.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $475.65M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $475.65M.
Similar-sized banks
United Mississippi Bank ($560.70M) · Kodabank ($559.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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