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West Plains Bank and Trust Company

West Plains, MO · Cert 15489 · West Plains Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$767.9MAssets
$534.2MLoans
$702.5MDeposits
$56.6MEquity
Loan mix
83%RE $391.7M14%C&I $64.3M4%Consumer $16.7MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $606.6M14%Noninterest $95.9MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.33%Q2 ’255.40%Q2 ’26+20%+5%

Non-interest income vs. expense

2.50%Q2 ’242.53%Q2 ’252.46%Q2 ’26+2%-6%

Executive Summary

  • Earnings: ROA of 1.32%, up 4 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.45% of loans (-12 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.32%, up 8 bps from a year ago.
  • Funding: loans stand at 76.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.32%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+16 bps YoY

Efficiency Ratio (quarter, annualized)

56.63%-442 bps YoY

Tier 1 Leverage Ratio

8.32%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.30%1.36%1.39%1.32%+4 bps
Return on Equity19.89%18.75%18.68%19.06%18.21%-168 bps
Net Interest Margin3.44%3.55%3.64%3.49%3.60%+16 bps
Efficiency Ratio61.05%59.85%58.12%57.40%56.63%-442 bps
Non-Interest Burden1.83%1.80%1.80%1.72%1.72%-10 bps
Growth
Asset Growth (YoY)4.31%5.24%7.72%9.84%10.39%+608 bps
Loan Growth (YoY)1.97%3.13%8.94%12.75%18.32%+1,635 bps
Deposit Growth (YoY)4.56%6.40%6.38%8.85%9.20%+464 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.56%0.52%0.46%0.45%-12 bps
Net Charge-Offs / Loans0.00%0.02%0.02%0.01%0.02%+2 bps
Allowance / Loans0.87%0.87%0.87%0.84%0.88%+1 bps
Allowance Coverage of NPLs1.5x1.5x1.7x1.8x2.0x+0.4x
Capital
Tier 1 Leverage Ratio8.24%8.44%8.63%8.38%8.32%+8 bps
Total Risk-Based Capital12.87%12.20%12.28%12.14%11.91%-96 bps
Equity / Assets6.69%7.14%7.43%7.15%7.37%+68 bps
Liquidity & Funding
Loans / Deposits70.18%73.51%75.28%72.54%76.04%+586 bps
Liquid Assets / Assets8.65%6.68%6.54%10.47%9.24%+58 bps
CRE / Total Capitaln/a354%367%370%n/an/a