FDIC Cert #34162 · Oshkosh, Wisconsin · Est. 1996

West Pointe Bank - FDIC Bank Health Profile

A community-scale look at West Pointe Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$369M
Total assets
A
Health grade · Excellent
1.40%
Return on assets
21.8%
Tier 1 capital

Data updated July 2026

The verdict

West Pointe Bank earns a PlainBankData health grade of A (91/100), with well-capitalized at 21.85% Tier 1, profitable at 1.40% ROA, efficient (49% cost ratio).

#2,199
largest of 4,313 FDIC banks by assets
49th
percentile by asset size, nationally
21.85%
Tier 1 ratio - above the 10% well-capitalized line
69th
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.

FDIC Call Report plate

Cert 34162 · WI A · 91/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (91/100)
  • UPPER-Q #766/4307
  • PHOTO-FINISH Merrick Bank · UT
  • TIER1-WELL 21.8% Tier 1
  • TEXAS-CLEAN 9.5% Texas
  • ROA-STRONG 1.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Merrick Bank, UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around West Pointe Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Merrick Bank · UT · near91/100The Bancorp Bank, Na… · SD ·…91/100The Murray Bank · KY · near91/100Unity Bank · NJ · near91/100West Pointe Bank · WI · this…91/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around West Pointe Bank · July 2026

Call Report read for West Pointe Bank in a high-failure state

West Pointe Bank (FDIC Cert #34162) carries a PlainBankData health grade of A at 91/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #766 of 4,307. Tier 1 capital prints at 21.85%, clearing the 10% well-capitalized line. The Texas Ratio is 9.47%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.40%. Balance-sheet scale is $369M, 2,199th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Merrick Bank (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around West Pointe Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

West Pointe Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about West Pointe Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How West Pointe Bank's 91/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10091/100
West Pointe Bank's composite health score
Tier 1 Capital Ratio (21.85%) 40/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (9.47%) 16/20
Efficiency Ratio (49.42%) 15/15

91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$369M

Total balance-sheet footings

Total Deposits

$261M

Customer-funded liabilities

Net Loans

$313M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.45% 21.85% 23.25%
Basel III capital ratios - West Pointe Bank

Where West Pointe Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Pointe Bank's score of 91/100 falls in the highlighted band.

West Pointe Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

91 Top 18% higher than 82% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. West Pointe Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

West Pointe 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 Pointe Bank's $369M falls in the highlighted band.

Capital & credit buffers at West Pointe Bank

Tier 1 capital ratio
Well-capitalized 10%

21.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
21.85%
Texas Ratio
9.47%
Equity Capital
$68M

What these ratios mean →

Earnings posture at West Pointe Bank

Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
7.69%
Efficiency Ratio
49.42%

What these mean →

Income & expense at West Pointe Bank

$22M
Interest Income
$923K
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. West Pointe Bank reports a Texas Ratio of 9.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View West Pointe Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($369M here), outside Wisconsin so the neighborhood is not state containment.

Banner Capital Bank $369M · NE First State Bank of Texas $369M · TX Cowboy Bank $369M · OK Farmers Trust and Savings Bank $369M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Pointe Bank (FDIC Cert #34162) - 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.

West Pointe Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%