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West Point Bank

Radcliff, KY
IDRSSD: 79042
Total Assets
$541.99M
Latest filing
Total Deposits
$460.55M
Latest filing
Net Interest Margin
2.85%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/01/1914
Community BankYes
Ownership TypeNot Mutual
ZIP40160
State and County Number21093
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameElizabethtown-Fort Knox, KY

Operational Info

Number of Employees51
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.westpointbank.com
Data Updated11/14/2025
CERT12166
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$541.99M
Total Deposits$460.55M
Total Liabilities$505.22M
Total Equity Capital$36.77M
Net Income$1.45M
Net Loans and Leases$431.69M
Assets Per Employee ($Millions)$10.42M
Bank Premises and Fixed Assets$3.24M
Cash and Balances due from Depository Institutions$8.95M
Deposits Held in Domestic Offices$460.55M

Key Performance Ratios

Return on Assets (ROA)1.07%
Return on Equity (ROE)16.29%
Net Interest Margin2.85%
Efficiency Ratio52.31%
Tier 1 Risk-Based Capital Ratio11.034%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets6.784%
Earning Assets to total Assets94.98%

Income and Expense

Total Interest Income$7.97M
Total Noninterest Income$309.00k
Total Interest Expense$4.31M
Total Noninterest Expense$2.07M
Net Interest Income$3.65M
Pre-tax Net Operating Income$1.89M
Provision for Credit Losses$3.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$40.72M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.96M
Total Liabilities and Capital$541.99M

Securities

Securities$77.59M
Available-for-sale debt securities$77.59M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of West Point Bank?
$541.99M as of the latest filing.
How much are West Point Bank's total deposits?
$460.55M in total deposits.
Where is West Point Bank located?
Radcliff, KY.
What is the Net Interest Margin?
2.85%.
How many domestic offices does it operate?
5.
When was it established?
07/01/1914.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$431.69M (latest filing).
What is the total interest income (latest filing)?
$7.97M.