West Plains, MO · Cert 15489 · West Plains Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
54
Profitability
56
Liquidity
73
Efficiency
57
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
West Plains, MO · Cert 15489 · West Plains Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.93% | 1.03% | 1.16% | 1.21% | 1.25% | 1.39% | 1.36% | +20 bps | |
| Return on Equity | 15.33% | 16.31% | 16.85% | 18.42% | 18.52% | 18.61% | 19.06% | 18.60% | +18 bps | |
| Net Interest Margin | 2.94% | 3.02% | 3.18% | 3.28% | 3.38% | 3.40% | 3.49% | 3.50% | +22 bps | |
| Efficiency Ratio | 69.72% | 68.42% | 63.98% | 62.44% | 61.53% | 60.62% | 57.40% | 57.00% | -544 bps | |
| Non-Interest Burden | 1.83% | 1.84% | 1.79% | 1.79% | 1.80% | 1.78% | 1.72% | 1.70% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | 4.34% | 4.92% | 4.31% | 5.24% | 7.72% | 9.84% | 10.39% | +608 bps | |
| Loan Growth (YoY) | 9.44% | 9.00% | 5.58% | 1.97% | 3.13% | 8.94% | 12.75% | 18.32% | +1,635 bps | |
| Deposit Growth (YoY) | 1.79% | 3.78% | 6.74% | 4.56% | 6.40% | 6.38% | 8.85% | 9.20% | +464 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.59% | 0.58% | 0.56% | 0.56% | 0.52% | 0.46% | 0.45% | -12 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | -0.01% | -0.01% | 0.00% | 0.01% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 0.79% | 0.81% | 0.86% | 0.87% | 0.87% | 0.87% | 0.84% | 0.88% | +1 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.5x | 1.5x | 1.5x | 1.7x | 1.8x | 2.0x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.10% | 8.20% | 8.19% | 8.24% | 8.44% | 8.63% | 8.38% | 8.32% | +8 bps | |
| Total Risk-Based Capital | 11.19% | 11.62% | 12.25% | 12.87% | 12.20% | 12.28% | 12.14% | 11.91% | -96 bps | |
| Equity / Assets | 6.32% | 6.01% | 6.23% | 6.69% | 7.14% | 7.43% | 7.15% | 7.37% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.83% | 73.51% | 70.03% | 70.18% | 73.51% | 75.28% | 72.54% | 76.04% | +586 bps | |
| Liquid Assets / Assets | 1.03% | 3.37% | 7.55% | 8.65% | 6.68% | 6.54% | 10.47% | 9.24% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 354% | 367% | 370% | n/a | n/a | |
West Plains, MO · Cert 15489 · Peer group: banks under $1B in assets in MO (n=82-83) · West Plains Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.33%
Rank 41 of 83
Net Interest Margin
3.50%
Rank 57 of 83
Efficiency Ratio
57.00%
Rank 37 of 83
Equity / Assets
7.37%
Rank 79 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.33% | 0.96% | 1.32% | 1.75% | Beats 51% | 41 / 83 | ||
| Return on Equity | 18.05% | 9.66% | 12.96% | 15.76% | Beats 86% | 12 / 83 | ||
| Net Interest Margin | 3.50% | 3.35% | 3.85% | 4.16% | Beats 31% | 57 / 83 | ||
| Efficiency Ratio | 57.00% | 49.83% | 58.83% | 68.51% | Beats 57% | 37 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.08% | 0.51% | 1.01% | Beats 54% | 39 / 82 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 54% | 39 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.06% | 11.01% | 12.49% | 14.98% | Beats 27% | 61 / 83 | ||
| Total Risk-Based Capital Ratio | 11.91% | 11.13% | 13.01% | 15.10% | Beats 35% | 54 / 83 | ||
| Equity / Assets | 7.37% | 8.83% | 10.71% | 13.29% | Beats 5% | 79 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.04% | 69.28% | 83.22% | 91.21% | 38th pctl | 51 / 82 | ||
| Loans / Assets | 69.57% | 59.34% | 71.15% | 78.36% | 45th pctl | 46 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||