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West Plains Savings and Loan Association

West Plains, MO · Cert 31329

SL · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

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.

Peer group

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.

Peer standing

Capital

93

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Plains Savings and Loan Association

West Plains, MO · Cert 31329

SL · FDIC · 1 branch

Q2 2026

$100.5MAssets
$75.7MLoans
$77.3MDeposits
$21.0MEquity
Loan mix
98%RE $69.6M1%C&I $0.8M1%Consumer $0.9MQ3 2024Q2 2026
Deposit mix
99%Interest-bearing $76.5M1%Noninterest $0.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.58%, up 21 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 4.53% of loans (+77 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 21.11%, up 8 bps from a year ago.
  • Funding: loans stand at 97.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+38 bps YoY

Efficiency Ratio (YTD, annualized)

71.78%-980 bps YoY

Tier 1 Leverage Ratio

21.11%+8 bps YoY

NIM

4.65%Q2 ’244.76%Q2 ’254.98%Q2 ’26+12%+15%

Non-interest income vs. expense

2.06%Q2 ’242.08%Q2 ’252.10%Q2 ’26+1%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%-0.02%0.26%0.37%0.42%0.38%0.60%0.58%+21 bps
Return on Equity0.26%-0.07%1.22%1.77%2.00%1.82%2.87%2.79%+103 bps
Net Interest Margin2.25%2.25%2.47%2.50%2.51%2.58%2.83%2.88%+38 bps
Efficiency Ratio95.51%96.31%86.64%81.58%79.77%80.98%71.59%71.78%-980 bps
Non-Interest Burden2.15%2.17%2.14%2.03%2.00%2.08%2.01%2.06%+3 bps
Growth
Asset Growth (YoY)1.67%1.26%3.75%5.22%7.04%5.12%2.42%1.54%-367 bps
Loan Growth (YoY)1.97%3.47%6.28%5.05%4.00%0.84%-2.03%1.30%-375 bps
Deposit Growth (YoY)1.95%1.77%5.06%6.93%9.20%9.30%6.20%4.88%-205 bps
Asset Quality
Nonperforming Loans / Loans4.72%4.69%4.93%3.76%4.57%3.97%5.03%4.53%+77 bps
Net Charge-Offs / Loans0.04%0.03%0.00%0.00%0.00%0.00%0.06%0.03%+3 bps
Allowance / Loans1.18%1.27%1.25%1.25%1.23%1.27%1.28%1.27%+2 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio21.94%21.65%21.54%21.02%20.69%20.63%20.97%21.11%+8 bps
Total Risk-Based Capital21.94%21.65%21.54%21.02%20.69%20.63%20.97%21.11%+8 bps
Equity / Assets21.66%21.49%21.06%20.68%20.53%20.88%21.06%20.88%+19 bps
Liquidity & Funding
Loans / Deposits105.26%107.00%105.46%101.41%100.24%98.72%97.29%97.95%-347 bps
Liquid Assets / Assets14.07%14.95%14.01%16.70%18.06%17.79%17.93%16.82%+12 bps
CRE / Total Capitaln/an/an/an/a84.57%85.09%85.63%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Plains Savings and Loan Association

West Plains, MO · Cert 31329 · Peer group: banks under $1B in assets in MO (n=82-83)

SL · FDIC · 1 branch

Q2 2026

$100.5MAssets
$75.7MLoans
$77.3MDeposits
$21.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 98% of banks under $1B in assets in MO (rank 2 of 83).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in MO (rank 80 of 82).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.58%

Rank 76 of 83

Net Interest Margin

2.88%

Rank 76 of 83

Efficiency Ratio

71.78%

Rank 72 of 83

Equity / Assets

20.88%

Rank 2 of 83

Non-interest income vs. expense

$0.0M$2.1MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 14% of banks under $1B in assets in MO
Bank 71.78%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.96%1.32%1.75%Beats 8%76 / 83
Return on Equity2.77%9.66%12.96%15.76%Beats 4%80 / 83
Net Interest Margin2.88%3.35%3.85%4.16%Beats 8%76 / 83
Efficiency Ratio71.78%49.83%58.83%68.51%Beats 14%72 / 83
Asset Quality
Nonperforming Loans / Loans4.53%0.08%0.51%1.01%Beats 4%80 / 82
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 45%46 / 82
Capital
Tier 1 Capital Ratio21.11%11.01%12.49%14.98%Beats 92%7 / 83
Total Risk-Based Capital Ratio21.11%11.13%13.01%15.10%Beats 90%8 / 83
Equity / Assets20.88%8.83%10.71%13.29%Beats 98%2 / 83
Liquidity & Funding
Loans / Deposits97.95%69.28%83.22%91.21%87th pctl11 / 82
Loans / Assets75.34%59.34%71.15%78.36%60th pctl33 / 83
Brokered Deposits / Depositsn/aNot reported for this institution