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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 $0.9MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $76.5M1%Noninterest $0.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.42%0.38%0.60%0.58%+21 bps
Return on Equity1.77%2.00%1.82%2.87%2.79%+103 bps
Net Interest Margin2.50%2.51%2.58%2.83%2.88%+38 bps
Efficiency Ratio81.58%79.77%80.98%71.59%71.78%-980 bps
Non-Interest Burden2.03%2.00%2.08%2.01%2.06%+3 bps
Growth
Asset Growth (YoY)5.22%7.04%5.12%2.42%1.54%-367 bps
Loan Growth (YoY)5.05%4.00%0.84%-2.03%1.30%-375 bps
Deposit Growth (YoY)6.93%9.20%9.30%6.20%4.88%-205 bps
Asset Quality
Nonperforming Loans / Loans3.76%4.57%3.97%5.03%4.53%+77 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.06%0.03%+3 bps
Allowance / Loans1.25%1.23%1.27%1.28%1.27%+2 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio21.02%20.69%20.63%20.97%21.11%+8 bps
Total Risk-Based Capital21.02%20.69%20.63%20.97%21.11%+8 bps
Equity / Assets20.68%20.53%20.88%21.06%20.88%+19 bps
Liquidity & Funding
Loans / Deposits101.41%100.24%98.72%97.29%97.95%-347 bps
Liquid Assets / Assets16.70%18.06%17.79%17.93%16.82%+12 bps
CRE / Total Capitaln/a84.57%85.09%85.63%n/an/a