WEST PLAINS SAVINGS AND LOAN ASSOCIATION

WEST PLAINS, MO | Micro | Est. Jan. 1, 1919, midnight | FDIC #31329 | RSSD #966973 | FDIC
Latest Report: 2025-12-31

WEST PLAINS SAVINGS AND LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in WEST PLAINS, MO, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $99M and total deposits of $76M. Profitability stands at 0.26% ROA and 1.26% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 20.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.52% and a Texas Ratio of 12.29%. FDIC Certificate #31329.

Assets

$99M

Deposits

$76M

Loans

$75M

Equity

$21M

Profitability

Return on Assets (ROA) 0.26%
Return on Equity (ROE) 1.26%
Net Interest Margin (NIM) 3.08%
Yield on Assets 5.51%
Cost of Funds 2.88%

Asset Quality

NPL Ratio 3.52%
Net Charge-Off Ratio 0.00%
Texas Ratio 12.29%
NPA Ratio 2.68%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 20.88%
Tier 1 Capital 20.88%
Total Capital Ratio 21.92%
Leverage Ratio 20.63%
Loan-to-Deposit 98.72%

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