Bank Comparison
West Plains Bank and Trust Company vs Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 11
winning metrics across 16 scored rows
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Capital adequacy
| Metric | West Plains Bank and Trust Company | Commerce Bank |
|---|---|---|
| CET1 Ratio | 11.06% | 29.75% |
| Tier 1 Capital Ratio | 11.06% | 29.75% |
| Total Capital Ratio | 11.91% | 30.73% |
| Tier 1 Leverage Ratio | 8.32% | 12.28% |
| Equity / Assets | 7.37% | 10.35% |
Profitability
| Metric | West Plains Bank and Trust Company | Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 1.66% | 1.83% |
| Return on Equity (ROE) | 23.19% | 18.07% |
| Net Interest Margin (NIM) | 3.80% | 2.92% |
| Yield on Earning Assets | 5.67% | 4.49% |
| Cost of Funds | 1.72% | 1.40% |
Asset quality
| Metric | West Plains Bank and Trust Company | Commerce Bank |
|---|---|---|
| Texas Ratio | 4.19% | 0.07% |
| Non-Performing Loan Ratio | 0.45% | 0.03% |
| Non-Performing Asset Ratio | 0.33% | 0.01% |
| Net Charge-Off Ratio | 0.02% | 0.03% |
| ACL / Loans | 0.88% | 1.54% |
Balance sheet
| Metric | West Plains Bank and Trust Company | Commerce Bank |
|---|---|---|
| Total Assets | $767.9M | $762.5M |
| Total Deposits | $702.5M | $664.5M |
| Total Loans | $534.2M | $195.1M |
| Total Equity | $56.6M | $78.9M |
| Net Income (quarter) | $3.2M | $3.5M |
Liquidity & funding
| Metric | West Plains Bank and Trust Company | Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.04% | 29.36% |
| Core Deposit Ratio | 94.85% | 74.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | West Plains Bank and Trust Company | Commerce Bank |
|---|---|---|
| Headquarters City | West Plains | Laredo |
| Headquarters State | MO | TX |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 101 | 45 |
| Established | April 13, 1883 | March 31, 1982 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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