West Plains Bank
Ainsworth, NE · Cert 5369 · Peer group: banks under $1B in assets in NE (n=83) · Commercial Investment Co. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$139.3MAssets
$84.6MLoans
$110.5MDeposits
$20.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
- Widest gap: return on equity trails 64% of banks under $1B in assets in NE (rank 53 of 83).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.33%
Rank 31 of 83
Net Interest Margin
3.57%
Rank 45 of 83
Efficiency Ratio
56.03%
Rank 31 of 83
Equity / Assets
14.40%
Rank 17 of 83
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 64% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.93% | 1.20% | 1.51% | Beats 63% | 31 / 83 | | |
| Return on Equity | 9.23% | 8.04% | 10.34% | 13.11% | Beats 36% | 53 / 83 | | |
| Net Interest Margin | 3.57% | 3.25% | 3.62% | 4.02% | Beats 46% | 45 / 83 | | |
| Efficiency Ratio | 56.03% | 51.13% | 59.95% | 67.19% | Beats 64% | 31 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 100% | 19 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 14.84% | 10.94% | 13.24% | 16.62% | Beats 61% | 32 / 83 | | |
| Total Risk-Based Capital Ratio | 14.84% | 11.04% | 13.54% | 17.63% | Beats 59% | 34 / 83 | | |
| Equity / Assets | 14.40% | 9.90% | 11.31% | 13.84% | Beats 80% | 17 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.55% | 71.97% | 83.15% | 92.22% | 29th pctl | 59 / 83 | | |
| Loans / Assets | 60.71% | 57.96% | 69.15% | 77.64% | 30th pctl | 58 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |