# WEST POINT BANK
RADCLIFF, KY · FDIC certificate 12166 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $560.6M | |
| Deposits | $475.7M | |
| Loans and leases | $443.4M | |
| Total equity | $41.5M | |
| Loans / deposits | 92.73% (p77 of band) | 82.04% |
| Liquid assets / assets | 16.80% (p21 of band) | |
| Uninsured deposits / deposits | 22.27% (p37 of band) | 25.97% |
| Brokered deposits | 9.94% | |
| Wholesale funding | 17.16% (p90 of band) | |
| FHLB advances / assets | 7.22% | |
| Tier 1 leverage | 8.55% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -23.93% (p18 of band) | -8.10% |
| AOCI / equity | 0.08% (p84 of band) | |
| ROA (annualized) | 1.08% (p37 of band) | 1.28% |
| Net interest margin | 3.12% (p13 of band) | 3.91% |
| Efficiency ratio | 54.99% (p31 of band) | |
| Noncurrent loans | 0.93% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 55.08% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 227.44% (p100 of band) | |
| Auto loans | $1.7M (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 | NIM <2.5% | capital falling |
| 2013-06 | 2 |  | NIM <2.5% |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | reserve under noncurrent |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 2 | loans exceed deposits |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 5 | loans exceed deposits, capital falling, reserve under noncurrent, construction >100% equity |  |
| 2018-03 | 4 |  | capital falling |
| 2018-06 | 5 | brokered >10% |  |
| 2018-09 | 3 |  | loans exceed deposits, reserve under noncurrent |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | loans exceed deposits |  |
| 2019-09 | 4 |  | loans exceed deposits |
| 2019-12 | 4 | loans exceed deposits, reserve under noncurrent | brokered >10%, capital falling |
| 2020-03 | 3 | brokered >10% | loans exceed deposits, reserve under noncurrent |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | capital falling | wholesale funding >15% |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 | reserve under noncurrent | brokered >10%, capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | deposits shrinking |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent, deposits shrinking |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | wholesale funding >15%, capital falling, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 6 | uninsured deposits leaving |  |
| 2023-09 | 5 |  | uninsured deposits leaving |
| 2023-12 | 5 |  |  |
| 2024-03 | 6 | loans exceed deposits |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 5 |  | loans exceed deposits |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 | brokered >10% | NIM <2.5% |
| 2025-06 | 4 |  | capital falling |
| 2025-09 | 3 |  | securities losses >30% of equity |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | reserve under noncurrent |  |
| 2026-06 | 3 |  | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-12-23 [Exhibiting wide-ranging leadership in community - The News-Enterprise](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQeHZkMVBBUmxUSmRDWmhUTzJ1OXl5VjlwUi0tYzFPYjFvZ2l5YVBkYkxXbHQwZ0cyQ2hwQzA0NHB1WDRxRXQ1dkRKMTFJc3YtcUpSYjlJQ0VCcTZ4UkozRzhaSFcxRFI4VmpseEZyMVZpckZtWDd3Vy1BcE5rcmVYV01HbEhEQXg0bDBrdnAtdkxHRnBDcHdWeWdRaGEteFA0cXhTZmVKdWNUb2NaN1R1Z3RrUVlJSm8xVVBGOWxlU1F2alVoVWdzdW1Zb0gwc0hoU2ExM2dnX0xRRm1sV3lUY0tmN0RrY2s?oc=5) · The News-Enterprise
- 2021-09-30 [Hilda Masterson Obituary - Louisville, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQV29PYUlwOGJsWGxsVEMta0ZtN2wyYkJYSzFiZURvaVZKX3lSdG1HRV9YeXRBQzBPUkFjTnVkYlRtLXZMVmIyQ1ZrTjJGbEppV3hza1gzbXVIdkdCUzIxQzJzZ2NsQU5XaURqbUVLME11OFpSbGxHa255MmQ4SFVVcEg2NUNMM0lN?oc=5) · Dignity Memorial
- 2019-06-06 [UK LEADS Scholarship Recipients Thank Their Donors - UKNow](https://news.google.com/rss/articles/CBMingFBVV95cUxOQThDZXd6SWJDdm9rbm9GQTBaT1cyQTRLRWxMZDhWWVhTa09Nekh6UlA0RG9YSDFuQ09VS25RVDVMcGt3aUNrZjRnRVdjSU9ZN1h6OTJrVmZTclZKZEZsOG9KQk52TUJwUXV6amZuQnhibXljUzItdlF6ZURFaWlmbVdvYnp0c1gzLWd1dmtOR09vMzNQMmpHQlN0S1B2dw?oc=5) · UKNow
- 2022-05-11 [Gilbert E. Frank - The Owensboro Times](https://news.google.com/rss/articles/CBMic0FVX3lxTE8wa0ZFN0Yzd2MycmdnblJDbmZ2RkZEdzU2VmhhMmJsLXNoVDVxNUxvU2MtUnJUN0I3T2pqYmIyMzRNX1JSdW5MNFlpX21JUzNMb1dCU1p4dXRsWm43VDNzTzJma1pNRk5RTnRuYTFfcmx5eHM?oc=5) · The Owensboro Times
- 2026-07-01 [Chamber recognizes community leaders - pmg-ky2.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPbmhocVdxbmJwem11bTJIMHpkQUo5TmhZbVVyT19IT2R2eS1xMnJ4RC0zMTU1VkxfOEJUSlo3XzFlenJnVXV1TGJzVEdmYVBrc1FRemwyQUxrRmhMWjhEVGtvSjJwUnVVTjNMSDRSQ1BaTG5xWkhhVGJMNkNKNUJkb1dFZWpDUXE3ZEx3WGxWbnR4UkFSWGtqM3V2a0RaTEkyOWV5eG5mMDdvTHhXeW9Xd3pnejhCbDQ1Sk13YWp3MXhTQUE?oc=5) · pmg-ky2.com
- 2022-09-13 [Joseph Tobin Obituary (2013) - Brandenburg, KY - The News-Enterprise - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaUJLTVdORnJ1MVcxV21Ia1QtUUxrMjZRWUVRMjNodjNiQ1F0SmNOclBrMWN3TU40SFl5Sk1MYllDQWw0cVRicHRFZ05IdlZhUHFwVFg4TkNKUktjajRsS2NQejJDTUVLZnhMYlQzUGFHSldwVUF0azRwMEp6V0JNaEZOTlBJZ0M0N0xFSElvd2J2aThhcHdiTw?oc=5) · Legacy obituary
- 2024-06-21 [Jessica Mills Obituary - Elizabethtown, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxPU2JSZlBGbkZkWjBZNjJoOERZRk45MTlFaWJkdnROTHFrRjA2YmNnNm1Cdnk0ZnBEMEFqQmlNVThoWGltTlFheDVmNnFTbERReUN3VnBKYUM3aV9UY0dpUmU2U3FZVzktc05nSHM4ZERJUC02OXZRR29ZNDk3bF9wNXQwajZSZWl3dkE?oc=5) · Dignity Memorial
- 2015-05-10 [Cruse - French - The News-Enterprise](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOZW53MWp0aHhlaWpiZkxONmMyOVlsbGFCNkJ2NHNTUHpwcTVKQVg4cWdqRmFtR1RUY29CWVFiWEVfdXFwYnU5aGMwaHV3V1JHVFlSLXJ0SDJuZEs2dm5SR0xmN3Y4dUdCZnRzY3hoTEc4VS1wTU5od1dZbGZEVzd6QV9CQjRzQTZ3dUExQ2R0OGkyZ1dQREFvOURHa2JRaUhiVk01czl0R0pjQTNLa3RuQ0F6aFVlcEZK?oc=5) · The News-Enterprise

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12166 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "12166", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide