West Point Bank: how it compares with its peers
Against 49 KY banks with half to twice its assets, West Point Bank's strongest measure in Q2 2026 is assets per employee ($10.2M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.12% vs. 3.76%).
| Measure | West Point Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.29% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.12% | 3.76% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.99% | 58.25% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $6.1M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.73% | 84.58% | Context |
What it means for lending operations
Its efficiency ratio of 54.99% is better than the 58.25% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Peoples Bank of Kentucky, Inc. Flemingsburg, KY · $565M
- Magnolia Bank, Incorporated Elizabethtown, KY · $546M
- First Kentucky Bank, Inc. Mayfield, KY · $586M
- The Murray Bank Murray, KY · $534M
- First United Bank and Trust Company Madisonville, KY · $591M
- United Community Bank of West Kentucky, Inc. Morganfield, KY · $525M
Questions about West Point Bank
How big is West Point Bank?
West Point Bank, established in 1914, is headquartered in Radcliff, KY. It reported $561M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is West Point Bank's return on assets?
1.08% annualized in Q2 2026, against a 1.29% median for 49 KY banks with half to twice its assets, ahead of 33% of them.
What is West Point Bank's efficiency ratio?
54.99% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 58.25%, and lower is better.
Is West Point Bank growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits grew 6.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.