Side-by-side · Q2 2026 data
West Point Bank vs Republic Bank & Trust Company
Metric by metric
| Measure | West Point Bank | Republic Bank & Trust Company |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 35 | 98 (stronger) |
| Loan quality | 69 | 81 (stronger) |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 60 (stronger) | 31 |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 14th | 95th |
| Total assets | $560.6M | $7.1B |
| Deposits / shares | $475.7M | $5.6B |
| Capital ratio | 8.55% | 14.82% (stronger) |
| Problem loans | 0.93% | 0.56% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 1.08% | 2.13% (stronger) |
| Loans ÷ deposits | 92.7% (stronger) | 95.7% |
| Uninsured deposits | 22.3% (stronger) | 45.6% |
| Offices | 5 | 47 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 12.6% |
Republic Bank & Trust Company has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), West Point Bank leads on 3 and Republic Bank & Trust Company on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.