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West Pointe Bank
Oshkosh, WI · FDIC Certificate #34162 · Chartered 04/2
Total assets
$368.82M
Total deposits
$260.24M
Total equity
$71.26M
Net loans
$301.75M
Branches (offices)
1
Net income (YTD)
$4.32M
Rank: #2,175 of 4,213 U.S. banks by assets · #81 of 153 in Wisconsin. Assets changed 0.1% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.33% |
| Return on equity | 12.39% |
| Net interest margin (YTD) | 5.08% |
| Equity to assets | 19.32% |
| Tier 1 leverage ratio | 19.41% |
| Uninsured deposits (share of deposits) | 15.7% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | -1.90% |
| Loans to deposits | 116.0% |
| Real estate loans (share of loans) | 86.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $261.10M | 86.5% | |
| Commercial & industrial | $49.40M | 16.4% | |
| Consumer / individual | $241.00K | 0.1% | |
| Construction & development | $12.78M | 4.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $328.36M | $246.72M | $2.53M | $56.90M |
| Jun 2023 | $347.01M | $241.15M | $2.40M | $60.54M |
| Jun 2024 | $344.12M | $248.14M | $2.28M | $63.33M |
| Jun 2025 | $368.52M | $263.78M | $2.76M | $65.95M |
| Jun 2026 | $368.82M | $260.24M | $4.32M | $71.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $260.24M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.24M.
Similar-sized banks
First Bank Elk River ($369.20M) · The Bank Of Romney ($368.81M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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