West Plains Bank and Trust Company
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
$767.9MAssets
$534.2MLoans
$702.5MDeposits
$56.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets in MO (rank 12 of 83).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in MO (rank 79 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $13.2M · efficiency ratio beats 57% of banks under $1B in assets in MO | 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 |