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West Plains Bank

Ainsworth, NE · Cert 5369 · Commercial Investment Co. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$139.3MAssets
$84.6MLoans
$110.5MDeposits
$20.1MEquity
Loan mix
64%RE $32.8M33%C&I $16.9M3%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $83.7M24%Noninterest $26.8MQ2 2025Q2 2026

NIM

4.64%Q2 ’244.77%Q2 ’254.76%Q2 ’26+10%+2%

Non-interest income vs. expense

2.18%Q2 ’242.12%Q2 ’252.13%Q2 ’26-5%+3%

Executive Summary

  • Earnings: ROA of 1.35%, down 2 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.84%, down 102 bps from a year ago.
  • Funding: loans stand at 76.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+7 bps YoY

Efficiency Ratio (YTD, annualized)

56.03%-19 bps YoY

Tier 1 Leverage Ratio

14.84%-102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.34%1.31%1.28%1.35%-2 bps
Return on Equity8.87%8.67%8.52%8.70%9.23%+37 bps
Net Interest Margin3.50%3.55%3.40%3.46%3.57%+7 bps
Efficiency Ratio56.22%55.76%57.05%56.09%56.03%-19 bps
Non-Interest Burden1.84%1.86%1.82%1.85%1.89%+5 bps
Growth
Asset Growth (YoY)6.27%2.49%10.23%8.32%6.36%+9 bps
Loan Growth (YoY)8.43%14.59%19.68%12.51%8.36%-8 bps
Deposit Growth (YoY)5.89%1.50%14.27%8.76%7.29%+140 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.54%1.54%1.43%1.48%1.42%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.86%16.00%15.49%14.64%14.84%-102 bps
Total Risk-Based Capital15.86%16.00%15.49%14.64%14.84%-102 bps
Equity / Assets15.04%15.59%14.97%14.40%14.40%-64 bps
Liquidity & Funding
Loans / Deposits75.80%78.32%76.92%74.53%76.55%+75 bps
Liquid Assets / Assets3.44%3.51%5.96%8.81%5.61%+217 bps
CRE / Total Capitaln/a50.63%55.24%53.14%n/an/a