West Pointe Bank
Oshkosh, WI · Cert 34162 · Peer group: banks under $1B in assets in WI (n=110-113) · West Pointe Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$368.8MAssets
$310.6MLoans
$260.2MDeposits
$71.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
- Widest gap: nonperforming loans / loans trails 74% of banks under $1B in assets in WI (rank 82 of 110).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.34%
Rank 9 of 113
Net Interest Margin
4.80%
Rank 4 of 113
Efficiency Ratio
39.38%
Rank 5 of 113
Equity / Assets
19.32%
Rank 8 of 113
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 96% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.34% | 0.85% | 1.17% | 1.51% | Beats 92% | 9 / 113 | | |
| Return on Equity | 12.12% | 7.70% | 10.77% | 13.67% | Beats 61% | 44 / 113 | | |
| Net Interest Margin | 4.80% | 3.19% | 3.59% | 3.89% | Beats 96% | 4 / 113 | | |
| Efficiency Ratio | 39.38% | 54.61% | 62.43% | 71.88% | Beats 96% | 5 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.03% | 0.24% | 0.91% | Beats 26% | 82 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 19.41% | 11.22% | 12.95% | 15.76% | Beats 82% | 20 / 113 | | |
| Total Risk-Based Capital Ratio | 19.41% | 11.57% | 13.59% | 16.73% | Beats 82% | 20 / 113 | | |
| Equity / Assets | 19.32% | 9.17% | 10.74% | 13.13% | Beats 93% | 8 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 119.37% | 76.54% | 86.37% | 98.93% | 97th pctl | 3 / 112 | | |
| Loans / Assets | 84.23% | 63.07% | 71.33% | 78.84% | 87th pctl | 15 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |