West Pointe Bank

What West Pointe Bank does

West Pointe Bank is a privately held, independent community bank headquartered at 1750 Witzel Avenue in Oshkosh, Wisconsin, operating from a single physical branch and self-identifying as 'Oshkosh's oldest locally owned, independent, full-service bank.' The bank serves both individual consumers and small-to-medium businesses in the Oshkosh market through a comprehensive suite of deposit products (Traditional, Advantage, Horizon, and Executive personal checking tiers; Commercial, Business, and Interest-Bearing business checking; personal and business savings, money market accounts, and CDs with terms from 3 to 60 months), lending products (residential mortgages via the Blink Mortgage platform, home equity loans and HELOCs, consumer loans for auto/boat/RV, and commercial loans including SBA, equipment financing, operating lines of credit, and commercial real estate), Visa Platinum credit cards issued through a partnership with TCM Bank, N.A., and trust and fiduciary services covering estate planning, estate administration, and investment agency accounts. The ownership base is dispersed among local shareholders, with leadership concentrated among the Krumrei family, including Chairman, President & CEO David R. Krumrei and SVP/Trust Officer/General Counsel Daniel D. Krumrei.

The bank's technology stack is standard community banking infrastructure rather than proprietary technology. Digital channels include iOS and Android mobile banking apps with mobile deposit capture (limits of $2,500 per check and $5,000 per day), online banking, text banking, mobile wallet integration with Apple Pay, Google Pay, and Samsung Pay, and the Premier Business Online Banking platform ($15/month) which provides ACH payments, payroll direct deposit, security token authentication, and Positive Pay fraud protection for business customers. Fraud management relies on third-party FICO Falcon Fraud Manager and the Shazam brella mobile app, while secure communications use Zixmail encrypted email. The bank has no disclosed API, SDK, or developer platform, and there is no evidence of in-house AI/ML capabilities.

Revenue mechanics follow traditional community banking economics: net interest income from lending products (mortgages, home equity, consumer, commercial including SBA), recurring deposit account fees ($5-$12/month for personal checking tiers, $7.50/month for business accounts, waivable with balance or direct deposit), interest spread on deposits and CDs (APYs ranging from 0.10% on interest-bearing checking to 3.45% on CDs), interchange and transaction fees from Visa and MasterCard debit and credit card activity, and professional fees on trust services. The go-to-market motion is relationship-based community banking with local decision making, supported by a single-branch distribution model, a Facebook presence, and a website with rate disclosures and over 50 financial calculators. The bank operates as a privately held, non-SEC-registered entity with no public ticker, no disclosed funding rounds, no parent company, and no subsidiaries.

Name

West Pointe Bank

Legal name

West Pointe Bank

Website

https://westptebank.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

West Pointe Bank is a privately held, independent community bank in Oshkosh, Wisconsin, offering personal and business checking, savings, lending, and trust services to local consumers and small-to-medium businesses from a single branch.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Retail banking services
• Community banking
• Consumer lending
• Commercial lending
• Trust services

Headquarters

HQ city

Oshkosh

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue from interest earned on lending products including mortgages, home equity loans, commercial loans, and consumer loans.
2. Deposit Account Fees: Monthly service fees on certain account tiers (e.g., $5-$12 monthly for personal checking depending on account type, $7.50 for business accounts, $15/month for Premier Business Online Banking).
3. Certificate of Deposit Interest: CD products with terms from 3 months to 60 months, with rates ranging from approximately 2.50% to 3.45% APY, minimum deposits starting at $500-$1,000.
4. Credit Card Revenue: Revenue from Visa and MasterCard credit and debit card transactions including interchange fees.
5. Trust Services Fees: Fiduciary services including estate planning, estate administration, and investment agency account management.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

West Pointe Bank is a locally owned, independent community bank headquartered in Oshkosh, Wisconsin that provides a full suite of personal and business banking products and services, including multiple tiers of checking and savings accounts, money market and IRA accounts, certificates of deposit, mortgages and home equity loans, consumer and commercial loans (including SBA), Visa credit cards, trust and estate services, and digital banking through online, mobile, and Premier Business Online Banking platforms.

Product overview

West Pointe Bank is a regional community bank offering a unified suite of banking products and services organized around personal banking, business banking, lending, and trust services. The core product portfolio includes multiple checking and savings account types (Traditional, Advantage, Horizon, Executive for personal; Commercial, Business, Interest-Bearing for business), money market and CD products for both segments, and Individual Retirement Accounts. Lending offerings span home mortgages (purchase, refinance, construction, renovation), home equity loans and HELOCs, consumer/personal loans (auto, boat, RV), and commercial loans (equipment, SBA, real estate). Credit products include Visa Platinum cards for personal and business use issued through TCM Bank. Digital banking is delivered through eServices (online/mobile banking with mobile deposit, mobile wallets) and Premier Business Online Banking with enhanced ACH capabilities. Trust services cover estate planning, administration, and investment management. Supporting services include financial calculators, secure email, wire transfers, fraud protection via Shazam/FICO Falcon, and beneficial ownership compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking account lineup with four tiers: Traditional (no monthly fee), Advantage ($5/month, waivable with balance or direct deposit), Horizon ($12/month, waivable with balance thresholds), and Executive ($12/month, waivable with balance thresholds or holding a WPB Mortgage). All tiers include free logo checks, Mastercard debit card, online and mobile banking, bill pay, and paper or eStatements. Interest-bearing on Advantage, Horizon, and Executive.
• Personal Savings Accounts Personal savings products including Regular Savings ($25 minimum, 0.25% APY compounded quarterly), Youth Savings (no minimum balance, designed for young savers), and Christmas Club (no minimum balance, interest credited at maturity in mid-October without early withdrawals).
• Personal Money Market Investment Account Tiered interest-bearing savings account with $2,500 minimum opening deposit. Interest rates increase as balances grow across tiers from $4,999.99 to $100,000 and above, with interest compounded and credited monthly.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings account available in Roth, Educational, Simple, or Traditional variants. Offered as fixed-rate IRA CDs with guaranteed rates and Money Market IRAs with tiered rates based on balance.
• Business Checking Accounts Business checking lineup including Commercial Checking for high-activity businesses (with earnings-credit-based fee reduction), Business Checking for moderate-activity businesses, and Interest-Bearing Business Checking for sole proprietorships and non-profits. Each with $100 minimum opening deposit, $7.50 monthly service fee (waivable with balance thresholds), free Mastercard debit card, online/mobile banking, and optional Premier Business Online Banking for $15/month.
• Business Money Market Investment Account Business savings account with $2,500 minimum opening deposit and daily balance requirement to avoid the $7.50 monthly service fee. Earns tiered interest rates based on balance with monthly compounding and includes check writing capabilities.
• Business Certificates of Deposit Time deposit savings products for businesses offered in various short-term and long-term fixed-term options providing competitive interest rates for business cash management needs.
• Home Mortgage Loans Residential mortgage products including conventional purchase and refinancing, construction loans, renovation loans, and vacant land/lot loans. Online mortgage application available through the integrated Blink Mortgage platform.
• Home Equity Loans & HELOCs Home equity financing products including fixed-rate term loans with competitive rates and flexible terms, and variable-rate revolving lines of credit (HELOCs) for flexible access to home equity funds.
• Consumer/Personal Loans Personal loans for various consumer financing needs including auto loans, boat loans, recreational vehicles, general-purpose personal loans, and personal reserve accounts with flexible financing options.
• Commercial Loans Business lending products including equipment financing, acquisition loans, operating lines of credit, land/development loans, SBA loans, letters of credit, commercial real estate purchase/refinance, and construction loans for commercial properties.
• Visa Platinum Credit Cards (Personal) Personal Visa Platinum credit card with worldwide acceptance and flexible terms, issued through TCM Bank, N.A. and offered to West Pointe Bank customers subject to credit approval.
• Business Visa Platinum Credit Cards Business Visa Platinum credit card with worldwide acceptance, competitive rates, and features designed for business spending, issued through TCM Bank, N.A. and offered to West Pointe Bank business customers subject to credit approval.
• Trust Services Fiduciary services including estate planning assistance, estate administration upon death, and investment agency accounts with professional money management using stocks, bonds, and mutual funds.
• eServices (Online & Mobile Banking) Digital banking platform including online banking for account access and transfers, mobile banking apps for iOS and Android with mobile deposit and account management, mobile wallet support with Apple Pay/Google Pay/Samsung Pay, bill pay, and text banking service.
• Premier Business Online Banking Premium business online banking service at $15/month offering enhanced features including security token authentication, ACH payments, payroll direct deposit processing, consolidated personal/business account viewing, customizable user access controls, and Positive Pay fraud protection.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• TCM Bank, N.A.coreChannel Partner/ Reseller/ DistributorCredit card issuing partner for Visa Platinum credit cards. Cards are issued by TCM Bank, N.A. and underwritten for West Pointe Bank customers. Subject to credit approval.
• TCM Bank, N.A. (Credit Cards)coreChannel Partner/ Reseller/ DistributorPersonal Visa Platinum credit cards issued through partnership with TCM Bank, N.A. Cards offered to West Pointe Bank customers for worldwide acceptance with various benefits.
• MasterCard (Debit Cards)coreChannel Partner/ Reseller/ DistributorMasterCard debit card network partnership for West Pointe Bank's debit card services, enabling acceptance at millions of locations worldwide.
• Visa (Credit Cards)coreChannel Partner/ Reseller/ DistributorBusiness and personal Visa credit card issuance through Visa's network for worldwide acceptance.
• Your Community CardminorChannel Partner/ Reseller/ DistributorBusiness Visa credit card issuance through Your Community Card platform for West Pointe Bank business customers.
• Shazam (Fraud Protection)coreTechnology or IntegrationFraud management services including FICO Falcon Fraud Manager, text alerts, and Shazam brella mobile app for real-time transaction monitoring and fraud alerts.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bank First National Corporation: Wisconsin-headquartered community bank holding company offering personal/business banking, loans, treasury, and wealth services to similar customer segments. Comparable full-service model and Wisconsin footprint makes Bank First a like-for-like reference for West Pointe's scale and product breadth.
• Town Bank: Wisconsin community bank serving consumers and small businesses with deposits, lending, and digital banking. Closely comparable community-bank structure, scale, and Wisconsin-only focus.
• American National Bank – Fox Cities: Community bank headquartered in the Fox Cities region adjacent to Oshkosh. Direct local-market overlap on deposits, mortgages, and small-business banking, with comparable community-bank positioning.
• Commerce State Bank: Wisconsin community bank focused on consumer and small-business banking. Closely comparable size, Wisconsin-only footprint, and full-service offerings.
• Nicolet National Bank: Green Bay-based, Wisconsin-focused community bank providing consumer, business, and commercial banking services. Direct geographic and product overlap — both compete for Wisconsin SMBs, mortgages, and commercial lending.
• First Business Bank: Wisconsin commercial banking specialist serving SMBs with deposits, treasury, and SBA/commercial lending. Direct competitor for West Pointe's Premier Business Online Banking and small-business deposit franchise.
• Johnson Bank (Johnson Financial Group): Wisconsin-based private community bank offering personal, business, mortgage, and wealth services. Similar full-service community-bank profile to West Pointe, but larger scale and broader Wisconsin/regional footprint.

Broad incumbents

• Associated Bancorp: Large Wisconsin-headquartered regional bank with full personal, business, mortgage, and wealth offerings. Overlaps with West Pointe on deposits, SBA, and mortgages but operates at significantly greater scale with a statewide branch network.
• Heartland Financial USA (HTLF): Multi-state community-bank holding company with several Wisconsin charters. Operating footprint and product breadth overlap with West Pointe, but at holding-company scale with materially larger deposit and loan books.
• BMO Bank (Harris): Major U.S./Canadian bank with a deep Wisconsin branch and deposit franchise. Competes with West Pointe on deposits, mortgages, and SMB lending, but as part of a much broader multi-state portfolio.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/people/West-Pointe-Bank/100038536827032
• LinkedInlinkedin.com/company/west-pointe-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about West Pointe Bank