West Pointe Bank is a state-chartered bank headquartered in Oshkosh, Wisconsin, in business for about 30 years. At the end of Q2 2026 it reported $368.8M in total assets and $260.2M in deposits, with 1 office.
Based on its Q2 2026 filing, West Pointe Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 24th. Its strongest component is capital cushion (100/100; 19.41%), and its lowest is funding & liquidity (49/100; 116% loans-to-deposits, 16% uninsured).
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 rose 24 points (60 → 84), mostly because the loan quality component improved by 70 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 87 |
| Q4 2024 | 88 |
| Q1 2025 | 88 |
| Q2 2025 | 60 |
| Q3 2025 | 61 |
| Q4 2025 | 68 |
| Q1 2026 | 73 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.64% |
| Q3 2024 | 18.80% |
| Q4 2024 | 18.15% |
| Q1 2025 | 18.56% |
| Q2 2025 | 18.20% |
| Q3 2025 | 18.28% |
| Q4 2025 | 18.29% |
| Q1 2026 | 18.97% |
| Q2 2026 | 19.41% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 3.77% |
| Q3 2025 | 3.92% |
| Q4 2025 | 2.18% |
| Q1 2026 | 2.12% |
| Q2 2026 | 0.91% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.55% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.61% |
| Q4 2025 | 1.40% |
| Q1 2026 | 2.90% |
| Q2 2026 | 2.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $368.8M | 19.41% | 0.91% | 2.33% | 116.0% |
| Q1 2026 | 73 | $374.1M | 18.97% | 2.12% | 2.90% | 112.9% |
| Q4 2025 | 68 | $368.8M | 18.29% | 2.18% | 1.40% | 120.0% |
| Q3 2025 | 61 | $363.6M | 18.28% | 3.92% | 1.61% | 118.8% |
| Q2 2025 | 60 | $368.5M | 18.20% | 3.77% | 1.53% | 117.8% |
| Q1 2025 | 88 | $361.8M | 18.56% | 0.00% | 1.55% | 113.0% |
| Q4 2024 | 88 | $348.0M | 18.15% | 0.00% | 1.39% | 113.4% |
| Q3 2024 | 87 | $353.7M | 18.80% | 0.07% | 1.37% | 112.9% |
| Q2 2024 | 87 | $344.1M | 18.64% | 0.00% | 1.32% | 117.3% |
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 Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of BangorBank Bangor, WI | 83 out of 100, Strong | $363.7M | 31.6% | 0.95% | vs |
| Shell Lake State BankBank Shell Lake, WI | 85 out of 100, Very strong | $361.8M | 12.3% | 0.03% | vs |
| Sterling BankBank Barron, WI | 77 out of 100, Strong | $352.4M | 9.4% | 0.02% | vs |
| Wolf River Community BankBank Hortonville, WI | 81 out of 100, Strong | $385.8M | 12.4% | 0.05% | vs |
| Fox Valley Savings BankBank Fond Du Lac, WI | 79 out of 100, Strong | $387.3M | 15.4% | 0.33% | vs |
| The Peoples Community BankBank Mazomanie, WI | 87 out of 100, Very strong | $388.8M | 12.8% | 0.14% | vs |
Deposit insurance
Is my money safe at West Pointe Bank?
Yes. West Pointe Bank is an FDIC-insured institution (FDIC certificate #34162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.7% of deposits ($41.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
West Pointe Bank lists 1 office in 1 city. Most locations:
- Oshkosh, WI (1)
HMDA 2025
Mortgage lending
In 2025, West Pointe Bank reported 207 home-loan applications under HMDA (LEI 549300E0Q8JLIMURNH75): 190 originated ($55,490,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.0%, 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 Pointe Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34162
- RSSD ID
- 2371816
- Primary regulator
- FDIC
- Holding company
- West Pointe Bancshares Inc
- Established
- April 22, 1996
- Headquarters
- 1750 Witzel Ave, Oshkosh, WI 54902
- Website
- www.westptebank.com
- Employees
- 21
Quick answers
West Pointe Bank: common questions
Is West Pointe Bank FDIC insured?
Yes. West Pointe Bank is an FDIC-insured institution (FDIC certificate #34162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Pointe Bank's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has West Pointe Bank ever failed?
There is no failure record for FDIC certificate #34162 in the FDIC failed bank list.
How many branches does West Pointe Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oshkosh
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Thrivent Trust CompanyBank Appleton, WI | 93 out of 100, Very strong | $15.5M | 82.7% | 0.00% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Fond Du Lac Credit UnionCredit union Fond du Lac, WI | 87 out of 100, Very strong | $84.9M | 13.6% | 0.35% | vs |
| Winnebago Community Credit UnionCredit union Oshkosh, WI | 85 out of 100, Very strong | $176.1M | 13.8% | 0.13% | vs |
| Community First Credit UnionCredit union Appleton, WI | 84 out of 100, Strong | $6.8B | 12.8% | 0.14% | vs |
| North Shore BankBank Brookfield, WI | 84 out of 100, Strong | $2.6B | 14.4% | 0.10% | vs |