West Plains Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.02 percentage points higher than in Q1 2026, at 76.55%. Within Nebraska, West Plains Bank is 64th of 138 on return on assets, 1.41% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. West Plains Bank sits 0.15 points higher, at 1.41% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.84% |
| Equity capital to assets | 14.40% |
| Tangible equity to tangible assets | 14.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 9.89% |
| Net interest margin | 3.96% |
| Efficiency ratio | 55.53% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.55% |
| Core deposits to total deposits | 92.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.30% |
| Securities to assets | 26.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.93% | 1.00% | 3.68% | 0.52% | 0.00% |
| Q4 2023 | 17.13% | 1.03% | 3.55% | 0.54% | 0.00% |
| Q1 2024 | 17.31% | 0.76% | 3.35% | 0.44% | 0.00% |
| Q2 2024 | 17.00% | 1.19% | 3.56% | 0.00% | 0.00% |
| Q3 2024 | 16.96% | 1.23% | 3.49% | 0.00% | -0.01% |
| Q4 2024 | 17.30% | 1.07% | 3.59% | 0.00% | 0.00% |
| Q1 2025 | 15.82% | 1.20% | 3.62% | 0.00% | -0.01% |
| Q2 2025 | 15.86% | 1.50% | 3.96% | 0.00% | 0.00% |
| Q3 2025 | 16.00% | 1.28% | 3.86% | 0.00% | -0.01% |
| Q4 2025 | 15.49% | 1.21% | 3.73% | 0.00% | 0.00% |
| Q1 2026 | 14.64% | 1.27% | 3.71% | 0.00% | 0.00% |
| Q2 2026 | 14.84% | 1.41% | 3.96% | 0.00% | 0.00% |
West Plains Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full West Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5369) · FFIEC NIC profile (RSSD 967952)