West Point Bank
Radcliff, KY
IDRSSD: 79042
Total Assets
$552.82M
Latest filing
Total Deposits
$470.95M
Latest filing
Net Interest Margin
3.04%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083906668RADCLIFF, KY
Key People
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Locations
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Main Office
West Point Bank
600 W Lincoln Trail Blvd
Radcliff, KY 40160
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1914FDIC Certificate 7727
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Point Bank (Main) | 600 W Lincoln Trail Blvd | Radcliff, KY |
| WEST POINT BRANCH | 601 Main St | West Point, KY |
| GLENDALE BRANCH | 436 E Main St | Glendale, KY |
| WEST POINT BAN K | 502 W Dixie Ave | Elizabethtown, KY |
| UPTON BRANCH | 114 N Walnut St | Upton, KY |
Showing 4 of 4
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40160 |
| State and County Number | 21093 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Elizabethtown-Fort Knox, KY |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.westpointbank.com |
| Data Updated | 01/30/2026 |
| CERT | 12166 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $552.82M |
| Total Deposits | $470.95M |
| Total Liabilities | $514.09M |
| Total Equity Capital | $38.73M |
| Net Income | $1.29M |
| Net Loans and Leases | $436.44M |
| Assets Per Employee ($Millions) | $10.63M |
| Bank Premises and Fixed Assets | $3.67M |
| Cash and Balances due from Depository Institutions | $14.10M |
| Deposits Held in Domestic Offices | $470.95M |
Key Performance Ratios
| Return on Assets (ROA) | 0.94% |
| Return on Equity (ROE) | 13.69% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 61.07% |
| Tier 1 Risk-Based Capital Ratio | 11.254% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.006% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $8.10M |
| Total Noninterest Income | $296.00k |
| Total Interest Expense | $4.14M |
| Total Noninterest Expense | $2.60M |
| Net Interest Income | $3.95M |
| Pre-tax Net Operating Income | $1.65M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $40.65M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.50M |
| Total Liabilities and Capital | $552.82M |
Securities
| Securities | $77.74M |
| Available-for-sale debt securities | $77.74M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$552.82M as of the latest filing.
How much are West Point Bank's total deposits?
$470.95M in total deposits.
Where is West Point Bank located?
Radcliff, KY.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
5.
When was it established?
07/01/1914.
What is the Return on Assets (ROA)?
0.94%.
How much are total loans and leases?
$436.44M (latest filing).
What is the total interest income (latest filing)?
$8.10M.