West Pointe Bank: how it compares with its peers
Against 78 WI banks with half to twice its assets, West Pointe Bank's strongest measure in Q2 2026 is assets per employee ($17.6M vs. a $7.0M peer median). Its weakest relative measure is return on assets (2.33% vs. 1.28%).
| Measure | West Pointe Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.33% | 1.28% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.08% | 3.87% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.38% | 61.47% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.6M | $7.0M | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 115.95% | 86.94% | Context |
What it means for lending operations
Its efficiency ratio of 39.38% is better than the 61.47% 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
- The First National Bank of Bangor Bangor, WI · $364M
- Shell Lake State Bank Shell Lake, WI · $362M
- Sterling Bank Barron, WI · $352M
- Wolf River Community Bank Hortonville, WI · $386M
- Fox Valley Savings Bank Fond Du Lac, WI · $387M
- The Peoples Community Bank Mazomanie, WI · $389M
Questions about West Pointe Bank
How big is West Pointe Bank?
West Pointe Bank, established in 1996, is headquartered in Oshkosh, WI. It reported $369M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is West Pointe Bank's return on assets?
2.33% annualized in Q2 2026, against a 1.28% median for 78 WI banks with half to twice its assets, ahead of 90% of them.
What is West Pointe Bank's efficiency ratio?
39.38% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 61.47%, and lower is better.
Is West Pointe Bank growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits shrank 1.3%.
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 WI 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 Wisconsin bank ranked.