BlastPoint's Banking Scorecard
West Point Bank
Community
Specialty: Commercial
KY
FDIC cert 12166
Radcliff, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
West Point Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 10% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7% in Community
- - Credit Risk Growth: Bottom 18% in Community
- - Liquidity Strain: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$552.8M
+5.3% YoY
+2.0% QoQ
|
-$838.6M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$436.4M
+5.7% YoY
+1.1% QoQ
|
-$539.0M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$470.9M
+8.7% YoY
+2.3% QoQ
|
-$693.7M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.94%
+64.7% YoY
+0.1% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
2.91%
+24.2% YoY
+1.5% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
58.33%
-17.6% YoY
+1.7% QoQ
|
-4.30% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.15%
+10.7% YoY
-67.1% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
92.67%
-2.8% YoY
-1.1% QoQ
|
+9.61% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
18.06%
+8.8% YoY
+1.2% QoQ
|
-2.99% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.12%
+11.2% YoY
-67.4% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.25%
+6.8% YoY
+2.0% QoQ
|
+1.01% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.22%
-6.0% YoY
+30.2% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#37 of 371 · Top 10% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (3)
Credit Quality Pressure
risk
#61 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#118 of 642 · Bottom 18% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#131 of 513 · Bottom 25% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.67%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
63
63th pctile
Efficiency Ratio
Current: 58.33% · Tier avg: 62.63%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.06% · Tier avg: 21.05%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.25% · Tier avg: 10.24%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.67% · Tier avg: 83.06%
20
20th pctile
Total Loans
Current: $436.4M · Tier avg: $975.5M
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
9
9th pctile
Total Deposits
Current: $470.9M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $552.8M · Tier avg: $1.4B
Top Weaknesses
8
8th pctile
Total Assets
Current: $552.8M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $470.9M · Tier avg: $1.2B
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
20
20th pctile
Total Loans
Current: $436.4M · Tier avg: $975.5M
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.67% · Tier avg: 83.06%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.25% · Tier avg: 10.24%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.06% · Tier avg: 21.05%
63
63th pctile
Efficiency Ratio
Current: 58.33% · Tier avg: 62.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%