Bank · FDIC insured
West Point Bank
A $560.6M bank headquartered in Radcliff, KY, with 5 branches in Kentucky. Best rates: CDs 4.27% and savings 2.07% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.27%CD rates →
- Savings933.20%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About West Point Bank
West Point Bank is a locally owned community bank and member of the First Breckinridge Bancshares family.
Serving its community for more than 30 years, the bank operates five branches across Hardin County and LaRue County, Kentucky.
- Headquarters
- 600 W Lincoln Trail Blvd, Radcliff, KY 40160
- FDIC certificate
- 12166 ↗
Branches
5 branches in Kentucky
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Kentucky
5 branches
- West Point BankMain office600 W Lincoln Trail Blvd, Radcliff, KY 40160Directions
- West Point Ban K502 W Dixie Ave, Elizabethtown, KY 42701Directions
- Glendale Branch436 E Main St, Glendale, KY 42740Directions
- Upton Branch114 N Walnut St, Upton, KY 42784Directions
- West Point Branch601 Main St, West Point, KY 40177Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.55% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.93% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.08% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio8.55%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.93%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.08%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of West Point Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.