BlastPoint's Banking Scorecard
West Pointe Bank
Micro
Specialty: Commercial
WI
FDIC cert 34162
Designations: ✓ Community bank
Oshkosh, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
West Pointe Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.30% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 45.50% above tier
- - Nonperforming Asset Ratio 1.43% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$368.8M
+6.0% YoY
+1.4% QoQ
|
+$151.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$313.4M
+9.5% YoY
+2.5% QoQ
|
+$174.2M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$261.1M
+3.4% YoY
+1.5% QoQ
|
+$77.5M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.40%
+0.6% YoY
-13.3% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.04%
+9.7% YoY
+2.5% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
49.42%
-7.0% YoY
+1.4% QoQ
|
-18.30% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
2.22%
-44.3% QoQ
|
+1.58% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
120.03%
+5.8% YoY
+1.0% QoQ
|
+45.50% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.00%
+1.7% YoY
-2.3% QoQ
|
-11.39% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.88%
-43.7% QoQ
|
+1.43% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
21.85%
-1.4% YoY
-1.7% QoQ
|
+12.99% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.25%
+17.2% YoY
+30.8% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.42%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
120.03%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.88%
(Tier avg: 0.45%, National avg: 0.48%)
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
94
94th pctile
Total Loans
Current: $313.4M · Tier avg: $139.2M
91
91th pctile
Efficiency Ratio
Current: 49.42% · Tier avg: 67.73%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.85% · Tier avg: 8.85%
84
84th pctile
Total Assets
Current: $368.8M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $261.1M · Tier avg: $183.7M
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 22.39%
11
11th pctile
Delinquency Rate
Current: 2.22% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.88% · Tier avg: 0.45%
1
1th pctile
Loan-to-Deposit Ratio
Current: 120.03% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 120.03% · Tier avg: 74.53%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.88% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.22% · Tier avg: 0.64%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 22.39%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
74
74th pctile
Total Deposits
Current: $261.1M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $368.8M · Tier avg: $217.5M
89
89th pctile
Tier 1 Capital Ratio
Current: 21.85% · Tier avg: 8.85%
91
91th pctile
Efficiency Ratio
Current: 49.42% · Tier avg: 67.73%
94
94th pctile
Total Loans
Current: $313.4M · Tier avg: $139.2M