# WEST POINTE BANK
OSHKOSH, WI · FDIC certificate 34162 · 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 | $368.8M | |
| Deposits | $260.2M | |
| Loans and leases | $310.6M | |
| Total equity | $71.3M | |
| Loans / deposits | 115.95% (p98 of band) | 82.04% |
| Liquid assets / assets | 12.65% (p11 of band) | |
| Uninsured deposits / deposits | 15.74% (p14 of band) | 25.97% |
| Brokered deposits | 11.51% | |
| Wholesale funding | 20.14% (p94 of band) | |
| FHLB advances / assets | 8.63% | |
| Tier 1 leverage | 19.41% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -0.47% (p91 of band) | -8.10% |
| AOCI / equity | -0.02% (p73 of band) | |
| ROA (annualized) | 2.33% (p92 of band) | 1.28% |
| Net interest margin | 5.08% (p94 of band) | 3.91% |
| Efficiency ratio | 39.38% (p5 of band) | |
| Noncurrent loans | 0.91% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | -1.61% (p0 of band) | |
| Reserve coverage of noncurrent | 315.79% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 17.93% (p23 of band) | |
| Auto loans | $107,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 | loans exceed deposits | brokered >10%, wholesale funding >15% |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2013-03 | 6 | charge-offs p90 |  |
| 2013-06 | 6 | loans exceed deposits | uninsured deposits leaving |
| 2013-09 | 5 |  | noncurrent p90 |
| 2013-12 | 4 |  | reserve under noncurrent |
| 2014-03 | 2 |  | charge-offs p90, loans exceed deposits |
| 2014-06 | 3 | loans exceed deposits |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2015-03 | 4 |  | assets shrinking |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | deposits shrinking |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | wholesale funding >15% |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | capital falling, charge-offs p90 | noncurrent p90 |
| 2019-03 | 2 |  | wholesale funding >15%, capital falling, charge-offs p90 |
| 2019-06 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | charge-offs p90 |  |
| 2020-06 | 4 | capital falling | uninsured deposits leaving, charge-offs p90 |
| 2020-09 | 2 |  | noncurrent p90, capital falling |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | loans exceed deposits |
| 2022-06 | 1 | loans exceed deposits | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 5 | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 | liquid assets <10% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 4 | brokered >10% | uninsured deposits leaving |
| 2024-03 | 3 |  | liquid assets <10% |
| 2024-06 | 4 | liquid assets <10% |  |
| 2024-09 | 3 |  | liquid assets <10% |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 6 | liquid assets <10% |  |
| 2026-03 | 3 |  | noncurrent p90, reserve under noncurrent, liquid assets <10% |
| 2026-06 | 3 |  |  |

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

- 2024-03-03 [Bryan Anthony Clark Obituary May 2, 2008 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE9pY2NEcVdMalMwazJ4cG9uel9RX3RRaWhqX0NmV3lhVnk4QTV1TVV3cEREaWM3alZKdHJUbUl3WFBldWRlZGVXd3JiVGtrYUpDbTMyMWtGVTZ6UUoxcUszdzVjWVZJaHRQb1k0Wk9n?oc=5) · Konrad-Behlman Funeral Homes
- 2019-02-26 [Miss Oshkosh, Outstanding Teen 2019 pageant set for Saturday at Alberta Kimball Auditorium - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMizgFBVV95cUxPSEZkNUZMTlN4VEF6MDdCb2lWcGNVb3NxOVNlSGo3ck42Vm9LdUVITDN3OFhWLVNYWnFwT3dvREp2dE80RW5wTE5ib1Y0ei12NmFnak9xMTNrVEc2NVVCS1pRUm5rMkhabXZVa3FTN21xMmx3TFVaRFl6U1FDRUdMUU40bHNPX2kyaEhjTC1rblpWa015Tk54Z29kcWo2TlN3VlhwLXlSeGs0TE5RTndMOURPYTFxemNTa2JTNVdqRVJnUUtIdFltWXhVRGNhUQ?oc=5) · Oshkosh Northwestern
- 2025-02-04 [Discover Northeast Wisconsin’s 18 Counties - livability.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPWjI4VzFRMnFpRVEwNFpzelpKcTNjOHk5ZG5tZ3U0Ul9CS21zcjVWMHAxelZ1UHRxZHpObDktUXh6TC10TG9NUlNidmtfQV82NFZ0UnFjY1BkSWFIbGxVaGlDNXF6SUxiQUNjQV9qWkhEbl8xaU4xOG5FQWRGbmF2c1pIWS1BUUJ0c2tucjMzdnJJZXItRUN5NkJoQS1jdw?oc=5) · livability.com
- 2022-11-12 [Ethan A. Davis-Krebs Obituary (2022) - Oshkosh, WI - Fiss and Bills-Poklasny Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOdVdnSldXTDRRNUE5QzRSUHpPSG1PWU5STkl5U1JrLU5OelRGTFphVzk5Z0Q2RVBSTm9za3dzQ1VqR25WRWdVbTNkeTBwZGxwRnQ0cElIei0zeEVLRU1JaGVYQUhBck9vWTBBRm83MGdxNUZJRzFFUXRUblhjMGZweFIwSDNJeG8?oc=5) · legacy.com
- 2017-02-04 [Patrick Boyce Holm Obituary Feb 4, 2017 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9rYUlSbE5wQVYxTndhd1NpNndLaW1Ob3pQZnJDTW43YVItTlcyUmxCdmtQSGVYbDF2TVhIUjd1MmkyMm5Va3RLQ2t2TzZwalh3bmdCY0FpcVFQeTB4TW02MGtfLTZ5dGJXQUMzQg?oc=5) · Konrad-Behlman Funeral Homes
- 2022-02-21 [William B. Holm Obituary - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiYkFVX3lxTE83WUNqUVFhUGJLNGxpd2JJRlMzbjloX1ZwZHpwZm54bFNhbHNYRi0zcDNsTWtwd3k1NHVoU0ZTZklpN2xqWVJIXzRXRC1TdXFla3dLV0xlaFMyUDdBNXo2cHdB?oc=5) · Oshkosh Northwestern
- 2022-12-01 [Ethan Davis-Krebs Obituary (1995 - 2022) - Oshkosh, WI - Oshkosh Herald - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWTFVU185YjdnTnBPdHFGRUNsdzhYdmxnNlZlWGRzVXFJTm96OE5HRGU4bl8xMDVfTVpBZDlNMlFMc0FmRFBTUmRxSkxNa0NlZ2tOUWNhSU4ydTFWVG9rUS1qcTF2VVBwRTQ0RWRGUHJsM0Nua3lQbGttV2JCTzlXZXluQ05qaG5JRm1UM054ZFdrakJ3dVlGUER3?oc=5) · legacy.com
- 2018-09-25 [Donna Mae Zmolek Obituary Sep 25, 2018 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBFSmZ4VVB3QkZsQ3ZSZl9fMERrX0VkdVBjZDEybFJnSkQ3bmVpdVI3TXpjRjY4Z3RNR0xJa2pUWTNXUHVUQ0dKYTMyRUcwNWdubXk3UkUwZ1lTOFZRdnlQUXQwQ1NuNWVMS0E?oc=5) · Konrad-Behlman Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34162 (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/50.json (key "34162", 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