🏦Bank Scorer

WEST POINTE BANK

OSHKOSH, WI · Supervised by FDIC

Est. 1996FDIC #34,162RSSD: FDIC-34162
Part ofWEST POINTE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.90%

Institution Profile

FDIC BankFind

Address

1750 Witzel Ave, OSHKOSH, WI

County

Winnebago County

Established

April 22, 1996

Total Assets

$374M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$374M

Total Deposits

$266M

Net Loans

$300M

Net Income

$3M

ROA

2.90%

ROE

15.64%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.33%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$264M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415092%1.33%
20239591.58%3.16%
202217490.8%1.15%
202118492.39%1.63%
202014977.18%6.04%
201913683.09%4.41%
201810475%9.62%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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