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
Unfavorable gap of $2.0M · efficiency ratio beats 14% 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 | 0.58% | 0.96% | 1.32% | 1.75% | Beats 8% | 76 / 83 | | |
| Return on Equity | 2.77% | 9.66% | 12.96% | 15.76% | Beats 4% | 80 / 83 | | |
| Net Interest Margin | 2.88% | 3.35% | 3.85% | 4.16% | Beats 8% | 76 / 83 | | |
| Efficiency Ratio | 71.78% | 49.83% | 58.83% | 68.51% | Beats 14% | 72 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.53% | 0.08% | 0.51% | 1.01% | Beats 4% | 80 / 82 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 45% | 46 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 21.11% | 11.01% | 12.49% | 14.98% | Beats 92% | 7 / 83 | | |
| Total Risk-Based Capital Ratio | 21.11% | 11.13% | 13.01% | 15.10% | Beats 90% | 8 / 83 | | |
| Equity / Assets | 20.88% | 8.83% | 10.71% | 13.29% | Beats 98% | 2 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.95% | 69.28% | 83.22% | 91.21% | 87th pctl | 11 / 82 | | |
| Loans / Assets | 75.34% | 59.34% | 71.15% | 78.36% | 60th pctl | 33 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |