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 | |