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BDI
WP

West Point Bank

Radcliff, KentuckyFDIC Cert #12166

STATEEstablished 19145 branches

Holding company: FIRST BRECKINRIDGE BANCSHARESRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$40.2M
Investor CRE$41.6M
Multifamily$21M
Construction$95.9M
1–4 family$180M
C&I$21.7M
Agriculture$32M
Other$8.75M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$441M
+4.8%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$439M
+4.8%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Loans YoY
+4.77%
−57.0%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
L/D
90.3%
−3.7%y/y
Percentile by value76th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + DEP
Loans/assets
76.9%
−1.6%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + ASSET
RE loans %
94.56%
−0.8%y/y
Percentile by value84th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
317%
−3.6%y/y
Percentile by value90th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
192%
−16.4%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,409points
−2.9%y/y
Peer standing32nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
9.11%
−21.0%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
9.43%
+21.2%y/y
Percentile by value33rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROT + LNLSGR
C&I %
4.92%
+2.6%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNCI + LNLSGR