West Point Bank
Total assets
$560.6M
▲ +4.0% YoY
Deposits
$475.7M
▲ +6.1% YoY
Loans
$441.1M
▲ +3.9% YoY
Offices
5
FIRST BRECKINRIDGE BANCSHARES
ROA (annualized)
1.08%
peers 1.28%
ROE (annualized)
15.13%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | West Point Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.9% | -0.9 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| Loan growth (YoY) | +3.9% | +5.3% | -1.5 pts |
| ROA | 1.08% | 1.28% | -0.2 pts |
| ROE | 15.1% | 12.4% | +2.7 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
Profile
- Established
- 1914
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST BRECKINRIDGE BANCSHARES
- Specialization
- Commercial Lending Specialization
- Address
- 600 W Lincoln Trail Blvd, Radcliff, KY, 40160
- County
- Hardin
- Metro area
- Elizabethtown-Fort Knox, KY
- Offices
- 5
- FDIC cert #
- 12166
- RSSD ID
- 79042
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $560.6M | $475.7M | $441.1M | $41.5M | $3.0M | 1.08% | 3.12% | 0.74% |
| Q1 2026 | $570.5M | $486.2M | $439.0M | $39.8M | $1.7M | 1.20% | 3.10% | 0.41% |
| Q4 2025 | $552.8M | $470.9M | $436.4M | $38.7M | $5.1M | 0.94% | 2.91% | 0.12% |
| Q3 2025 | $542.0M | $460.5M | $431.7M | $36.8M | $3.8M | 0.94% | 2.87% | 0.37% |
| Q2 2025 | $538.9M | $448.2M | $424.7M | $34.2M | $2.3M | 0.87% | 2.88% | 0.11% |
| Q1 2025 | $536.0M | $446.8M | $419.0M | $33.0M | $1.1M | 0.80% | 2.79% | 0.21% |
| Q4 2024 | $525.0M | $433.1M | $412.9M | $31.3M | $2.8M | 0.57% | 2.34% | 0.11% |
| Q3 2024 | $502.4M | $406.4M | $390.9M | $32.2M | $1.6M | 0.44% | 2.22% | 0.04% |
Loan mix (Q2 2026): real estate $413.7M · commercial $21.2M · consumer $3.6M · securities $73.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | West Point Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.28% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.89% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 61.2% | 32th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | West Point Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | West Point Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | West Point Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | West Point Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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