WEST PLAINS BANK AND TRUST COMPANY

WEST PLAINS, MO | Medium | Est. April 13, 1883, midnight | FDIC #15489 | RSSD #317258 | FDIC
Latest Report: 2025-12-31

WEST PLAINS BANK AND TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in WEST PLAINS, MO, established in April 13, 1883, midnight. As of 2025-12-31, the bank reported total assets of $719M and total deposits of $660M. Profitability stands at 1.73% ROA and 23.67% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 11.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 4.79%. FDIC Certificate #15489.

Assets

$719M

Deposits

$660M

Loans

$497M

Equity

$53M

Profitability

Return on Assets (ROA) 1.73%
Return on Equity (ROE) 23.67%
Net Interest Margin (NIM) 4.01%
Yield on Assets 6.02%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.79%
NPA Ratio 0.39%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 11.44%
Tier 1 Capital 11.44%
Total Capital Ratio 12.28%
Leverage Ratio 8.63%
Loan-to-Deposit 75.28%

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