West Plains Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Plains Bank of Ainsworth, NE against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.41% | 1.34% | +0.07% | 58th above |
| ROAE | 9.89% | 13.32% | -3.43% | 35th below |
| Net Interest Margin | 3.96% | 3.93% | +0.03% | 51st above |
| Efficiency Ratio | 55.53% | 61.13% | -5.60% | 67th above |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 60th above |
| Yield on Earning Assets | 5.19% | 5.67% | -0.48% | 30th below |
| Cost of Funds | 1.39% | 1.88% | -0.49% | 75th top |
| Net Interest Spread | 3.37% | 3.32% | +0.05% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.84% | 12.14% | +2.70% | 86th top |
| Equity / Assets | 14.40% | 11.36% | +3.04% | 86th top |
| TCE / Tangible Assets | 14.25% | 11.08% | +3.17% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.55% | 80.66% | -4.11% | 58th above |
| Core Deposit Ratio | 92.78% | 86.85% | +5.93% | 72nd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.95% | 5.04% | -0.09% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.36% | 6.84% | -0.48% | 65th above |
| Loan Growth (Y/Y) | 8.36% | 7.92% | +0.44% | 67th above |
| Deposit Growth (Y/Y) | 7.29% | 6.29% | +1.00% | 72nd above |
See West Plains Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Plains Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full West Plains Bank profile, how to read a UBPR, or how this data updates.