Headquartered in Radcliff, Kentucky, West Point Bank is a state-chartered bank with $560.6M in total assets and $475.7M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1914.
Based on its Q2 2026 filing, West Point Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 107th. Its strongest component is problem-loan coverage (81/100; 9.5%), and its lowest is capital cushion (35/100; 8.55%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (63 → 57), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 59 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 63 |
| Q3 2025 | 60 |
| Q4 2025 | 64 |
| Q1 2026 | 63 |
| Q2 2026 | 57 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.94% |
| Q3 2024 | 7.94% |
| Q4 2024 | 7.87% |
| Q1 2025 | 7.82% |
| Q2 2025 | 7.98% |
| Q3 2025 | 8.16% |
| Q4 2025 | 8.28% |
| Q1 2026 | 8.46% |
| Q2 2026 | 8.55% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.93% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.94% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $560.6M | 8.55% | 0.93% | 1.08% | 92.7% |
| Q1 2026 | 63 | $570.5M | 8.46% | 0.53% | 1.20% | 90.3% |
| Q4 2025 | 64 | $552.8M | 8.28% | 0.15% | 0.94% | 92.7% |
| Q3 2025 | 60 | $542.0M | 8.16% | 0.47% | 0.94% | 93.7% |
| Q2 2025 | 63 | $538.9M | 7.98% | 0.14% | 0.87% | 94.7% |
| Q1 2025 | 60 | $536.0M | 7.82% | 0.27% | 0.80% | 93.8% |
| Q4 2024 | 60 | $525.0M | 7.87% | 0.14% | 0.57% | 95.3% |
| Q3 2024 | 59 | $502.4M | 7.94% | 0.05% | 0.44% | 96.2% |
| Q2 2024 | 58 | $492.4M | 7.94% | 0.05% | 0.39% | 104.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank of Kentucky, Inc.Bank Flemingsburg, KY | 45 out of 100, Below average | $564.9M | 11.1% | 3.20% | vs |
| Magnolia Bank, IncorporatedBank Elizabethtown, KY | 49 out of 100, Below average | $546.3M | 11.0% | 2.02% | vs |
| First Kentucky Bank, Inc.Bank Mayfield, KY | 73 out of 100, Strong | $585.6M | 9.3% | 0.25% | vs |
| The Murray BankBank Murray, KY | 60 out of 100, Moderate | $534.1M | 10.0% | 1.95% | vs |
| First United Bank and Trust CompanyBank Madisonville, KY | 74 out of 100, Strong | $591.4M | 9.5% | 0.25% | vs |
| United Community Bank of West Kentucky, Inc.Bank Morganfield, KY | 78 out of 100, Strong | $524.9M | 11.0% | 0.11% | vs |
Deposit insurance
Is my money safe at West Point Bank?
Yes. West Point Bank is an FDIC-insured institution (FDIC certificate #12166). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.3% of deposits ($105.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.55%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.30% (benchmark: 10%).
5 locations
Branches
West Point Bank lists 5 offices in 5 cities. Most locations:
- Elizabethtown, KY (1)
- Glendale, KY (1)
- Radcliff, KY (1)
- Upton, KY (1)
- West Point, KY (1)
HMDA 2025
Mortgage lending
In 2025, West Point Bank reported 313 home-loan applications under HMDA (LEI 549300PD2JKG2Z95GK78): 264 originated ($48,160,000 total), 27 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- West Point Bank
- Former names
- West Point National Bank; The West Point Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12166
- RSSD ID
- 79042
- Primary regulator
- FDIC
- Holding company
- First Breckinridge Bancshares
- Established
- July 1, 1914
- Headquarters
- 600 W Lincoln Trail Blvd, Radcliff, KY 40160
- Website
- www.westpointbank.com
- Employees
- 55
Quick answers
West Point Bank: common questions
Is West Point Bank FDIC insured?
Yes. West Point Bank is an FDIC-insured institution (FDIC certificate #12166). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Point Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has West Point Bank ever failed?
There is no failure record for FDIC certificate #12166 in the FDIC failed bank list.
How many branches does West Point Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Radcliff
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |