Banks WEST PLAINS BANK AND TRUST COMPANY

WEST PLAINS BANK AND TRUST COMPANY

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

WEST PLAINS BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 11.44%, well above regulatory minimums. NPL ratio: 0.52% · Texas Ratio: 4.79%.

Assets
$719M
Deposits
$660M
Loans
$497M
Equity
$53M

Profitability

Return on Assets (ROA)1.73%
Return on Equity (ROE)23.67%
Net Interest Margin4.01%
Yield on Assets6.02%
Cost of Funds2.02%

Asset Quality

NPL Ratio0.52%
Net Charge-Off Ratio0.01%
Texas Ratio4.79%
NPA Ratio0.39%
ACL / Loans0.87%

Capital & Liquidity

CET1 Ratio11.44%
Tier 1 Capital11.44%
Total Capital Ratio12.28%
Leverage Ratio8.63%
Loan-to-Deposit75.28%

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