Oshkosh, WI · Cert 34162 · West Pointe Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Oshkosh-Neenah, WI · 2026 SOD (annual) · 10.2% share · #3 of 16 inst. · $0.3B of $2.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.43% | 1.55% | 1.51% | 1.75% | 0.77% | 2.90% | 1.75% | +24 bps | |
| Return on Equity | 8.11% | 7.82% | 8.60% | 8.44% | 9.61% | 4.16% | 15.64% | 9.17% | +73 bps | |
| Net Interest Margin | 3.51% | 3.64% | 3.58% | 3.68% | 3.78% | 4.04% | 5.47% | 4.08% | +40 bps | |
| Efficiency Ratio | 49.08% | 54.79% | 49.91% | 51.17% | 45.34% | 51.26% | 32.49% | 48.64% | -252 bps | |
| Non-Interest Burden | 1.61% | 1.89% | 1.63% | 1.77% | 1.58% | 1.95% | 1.59% | 1.86% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.13% | 0.11% | 5.10% | 7.09% | 2.82% | 5.98% | 3.41% | 0.08% | -701 bps | |
| Loan Growth (YoY) | -1.85% | -2.65% | 5.07% | 6.55% | 5.71% | 9.60% | 1.45% | -1.58% | -813 bps | |
| Deposit Growth (YoY) | 8.89% | 1.71% | 6.21% | 6.30% | 0.56% | 3.42% | 0.35% | -1.34% | -764 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.00% | 3.77% | 3.92% | 2.18% | 2.12% | 0.91% | -286 bps | |
| Net Charge-Offs / Loans | 0.28% | -0.04% | 0.00% | -0.01% | 0.03% | -0.01% | -3.65% | -0.20% | -19 bps | |
| Allowance / Loans | 1.67% | 1.70% | 1.62% | 1.57% | 1.58% | 1.81% | 2.83% | 2.86% | +130 bps | |
| Allowance Coverage of NPLs | 23.4x | n/a | n/a | 0.4x | 0.4x | 0.8x | 1.3x | 3.2x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.80% | 18.15% | 18.56% | 18.20% | 18.28% | 18.29% | 18.97% | 19.41% | +122 bps | |
| Total Risk-Based Capital | 23.42% | 23.42% | 22.98% | 22.41% | 23.47% | 23.10% | 18.97% | 19.41% | -300 bps | |
| Equity / Assets | 18.30% | 18.20% | 17.90% | 17.90% | 18.52% | 18.34% | 18.79% | 19.32% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.86% | 115.35% | 114.90% | 119.67% | 120.74% | 122.24% | 116.15% | 119.37% | -29 bps | |
| Liquid Assets / Assets | 0.78% | 0.31% | 0.34% | 0.29% | 0.24% | 0.34% | 0.31% | 0.26% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 242% | 238% | 214% | n/a | n/a | |