West Pointe Bank
Oshkosh, Wisconsin · FDIC Cert #34162
West Pointe Bank is an FDIC-insured bank (Certificate #34162) with $344M in total assets and $248M in total deposits as of the Q2 2024 Call Report. Headquartered in Oshkosh, Wisconsin, the bank maintains a Tier 1 capital ratio of 21.77% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of B (78/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
West Pointe Bank (FDIC cert 34162) is a community bank — $344M in total assets, $248M in deposits, serving the Oshkosh, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 21.77% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 9.4% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.62% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. West Pointe Bank carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: West Pointe Bank
- Total Assets
- $344M
- Total Deposits
- $248M
- Tier 1 Capital Ratio
- 21.77%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 9.42%
- Return on Assets
- 1.62%
- Headquarters
- Oshkosh, Wisconsin
- FDIC Certificate
- #34162
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, West Pointe Bank holds a Tier 1 capital ratio of 21.77%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning West Pointe Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
West Pointe Bank shows strong financial health indicators. With $344M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How West Pointe Bank Compares
West Pointe Bank’s Health Score of 78 is 11 points above the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 21.77% Tier 1 capital ratio is 7.8 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.62% is in line with or above the national ROA benchmark of ~1.1%. Among 1592 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, West Pointe Bank is 8 points above the portfolio average of 70.
Frequently Asked Questions
West Pointe Bank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 21.77%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. West Pointe Bank's Tier 1 capital ratio of 21.77% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at West Pointe Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34162). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
West Pointe Bank holds $344M in total assets and $248M in total deposits. It is headquartered in Oshkosh, Wisconsin (FDIC Certificate #34162).
West Pointe Bank has a Tier 1 capital ratio of 21.77%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 1.62%.
Yes. West Pointe Bank is FDIC-insured (Certificate #34162). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
West Pointe Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.