West Plains Bank
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Data as of · sourced from FFIEC call reports. How we update
West Plains Bank is an FDIC-insured commercial bank headquartered in Ainsworth, NE, established in 1913 (FDIC certificate 5369), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $139.3M, up 6.4% from Q2 2025, the 94th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.84% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5369
- Headquarters
- Ainsworth, NE
- Established
- 1913
- Total assets, Q2 2026
- $139.3M
- Assets vs Q2 2025
- +6.4%
- Tier 1 leverage ratio, Q2 2026
- 14.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104109739
- Latest call report
- Q2 2026, FFIEC 051 · West Plains Bank call report
- Holding company
- COMMERCIAL INVESTMENT CO., INC.
- Asset rank in state
- 94th of 138 in Nebraska
West Plains Bank, based in Ainsworth, Nebraska, reported $139 million in assets at June 30, 2026, up 6.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also holds commercial real estate loans equal to only 25% of its capital, a small fraction of the median of 1.2 times for banks its size.
As of June 30, 2026, West Plains Bank reported a return on assets of 1.41%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, West Plains Bank is the 94th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $139.3M, loans rose 3.9% and deposits rose 1.2%. Agricultural production loans made up 36.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 25.3%. Its 2 offices in the FDIC Summary of Deposits are in Ainsworth, NE and Springview, NE; its Ainsworth office books 75% of its branch deposits. Judged on its Q2 2026 call report, West Plains Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 N Main St, Ainsworth, NE 69210
- County
- Brown
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1913
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $110.5M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $139.1M
- Average total loans
- $83.0M
- Average interest-bearing deposits
- $83.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5369
- Fed RSSD
- 967952
- Website
- www.westplainsbk.com →
- Parent Holding Company
- COMMERCIAL INVESTMENT CO., INC. (RSSD 1051429)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, West Plains Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, West Plains Bank's total assets ranged from $115.0M (Q3 2023) to $139.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$139.3M total assets against $131.0M; $119.3M total liabilities against $111.3M.
$83.4M net loans and leases against $76.9M; $110.5M total deposits against $103.0M.
$36.4M securities against $39.2M; $11.8M cash and balances due against $7.0M.
$1.7M total interest income against $1.6M; $405K total interest expense against $428K.
$1.3M net interest income against $1.2M.
$92K total noninterest income against $108K; $774K total noninterest expense against $699K.
$0 provision for credit losses against $0.
$490K net income against $488K.
1.41% return on assets against 1.50%; 3.96% net interest margin against 3.96%.
14.84% tier 1 leverage ratio against 15.86%.
Inside the full West Plains Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWest Plains Bank rankings
Its closest position to the top of a national ranking is 1,306 of 3,606, for efficiency ratio; its furthest is 3,588 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q4 2024) to 1.50% (Q2 2025) and its net interest margin ran from 3.49% (Q3 2024) to 3.96% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.84% | 1.41% | 0.00% | 0.00% | 3.96% |
| Q1 2026 | 14.64% | 1.27% | 0.00% | 0.00% | 3.71% |
| Q4 2025 | 15.49% | 1.21% | 0.00% | 0.00% | 3.73% |
| Q3 2025 | 16.00% | 1.28% | 0.00% | 0.00% | 3.86% |
| Q2 2025 | 15.86% | 1.50% | 0.00% | 0.00% | 3.96% |
| Q1 2025 | 15.82% | 1.20% | 0.00% | 0.00% | 3.62% |
| Q4 2024 | 17.30% | 1.07% | 0.00% | 0.00% | 3.59% |
| Q3 2024 | 16.96% | 1.23% | 0.00% | 0.00% | 3.49% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Plains Bank (main office) | Ainsworth , NE | 69210 | $83.4M |
| Springview Branch | Springview , NE | 68778 | $27.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 20, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 20, 1994 | Structure Change | Acquired The First National Bank of Springview Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 108 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $38K approved, $38K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about West Plains Bank
What are West Plains Bank's total assets?
As of the Q2 2026 filing, West Plains Bank reported total assets of $139.3 million in its FFIEC call report.
Where is West Plains Bank headquartered?
It is headquartered in Ainsworth, NE, United States.
When was West Plains Bank founded?
It was established in 1913, per the FDIC institution directory.
Is West Plains Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Plains Bank?
West Plains Bank's primary federal regulator is the Federal Reserve.
How many branches does West Plains Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Plains Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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