Total Assets
$553M
Total balance-sheet footings
FDIC Cert #12166 · Radcliff, Kentucky · Est. 1914
West Point Bank - FDIC Bank Health Profile
A community-scale look at West Point Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $553M
- Total assets
- B
- Health grade · Good
- 0.94%
- Return on assets
- 11.3%
- Tier 1 capital
Data updated July 2026
The verdict
West Point Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 11.25% Tier 1, 0.94% ROA, efficient (58% cost ratio).
- #1,672
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 11.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How West Point Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
West Point Bank's composite health score
Tier 1 Capital Ratio (11.25%) 28/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (1.64%) 20/20
Efficiency Ratio (58.33%) 12/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$471M
Customer-funded liabilities
Net Loans
$436M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where West Point Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Point Bank's score of 74/100 falls in the highlighted band.
West Point Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). West Point Bank's $553M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.25%
Texas Ratio
1.64%
Equity Capital
$39M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
14.52%
Efficiency Ratio
58.33%
What the numbers say about West Point Bank
West Point Bank is an FDIC-insured institution (Certificate #12166) headquartered in Radcliff, Kentucky, established in 1914. It holds $553M in total assets - 1,672nd of 4,313 FDIC-insured banks, $471M in customer deposits, and $436M in net loans. Its capital position: a Tier 1 ratio of 11.25%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.64% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
West Point Bank sits 33rd of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$32M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. West Point Bank reports a Texas Ratio of 1.64% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Point Bank (FDIC Cert #12166) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is West Point Bank's health grade?▼
West Point Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is West Point Bank?▼
West Point Bank holds $553M in total assets and $471M in deposits, ranking 1,672nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Radcliff, Kentucky.
Is my money safe at West Point Bank?▼
Yes, deposits at West Point Bank (Certificate #12166) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is West Point Bank's Tier 1 Capital Ratio?▼
West Point Bank has a Tier 1 Capital Ratio of 11.25%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for West Point Bank?▼
West Point Bank has a Texas Ratio of 1.64%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is West Point Bank?▼
West Point Bank has an Efficiency Ratio of 58.33%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read West Point Bank's profile as a depositor or analyst.
- West Point Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare West Point Bank against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.