West Plains Bank and Trust Company
West Plains Bank and Trust Company is a locally rooted FDIC-insured community bank based in West Plains, MO. As of Q1 2026, the bank held approximately $765M in total assets and $705M in deposits. The bank posts a strong 1.74% ROA and 24.26% ROE. Regulatory capital is solid — 11.32% CET1 and 12.14% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.46%. It operates 7 branches, primarily in Missouri.
Headquarters Profile
- Address
- 11 Court Sq, WEST PLAINS, MO 65775
- County
- Howell
- Metro Area
- WEST PLAINS, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- April 13, 1883
- Branches
- 7 domestic
- Employees (FTE)
- 102
- FDIC Cert
- 15489
- Fed RSSD
- 317258
- Website
- www.westplainsbank.com →
- Parent Holding Company
- WEST PLAINS BANCSHARES, INC. (RSSD 1095852)
Capital & Liquidity
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West Plains Bank and Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about West Plains Bank and Trust Company
What are West Plains Bank and Trust Company's total assets?
As of the Q1 2026 filing, West Plains Bank and Trust Company reported total assets of $764.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is West Plains Bank and Trust Company headquartered?
West Plains Bank and Trust Company is headquartered in WEST PLAINS, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was West Plains Bank and Trust Company founded?
West Plains Bank and Trust Company was established in 1883, per the FDIC institution directory.
Is West Plains Bank and Trust Company FDIC-insured?
Yes. West Plains Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #15489). 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 and Trust Company?
West Plains Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is West Plains Bank and Trust Company's CET1 capital ratio?
West Plains Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 11.32% in its most recent quarterly filing — above regulatory minimums.
How many branches does West Plains Bank and Trust Company operate?
West Plains Bank and Trust Company operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is West Plains Bank and Trust Company's Texas Ratio?
West Plains Bank and Trust Company's Texas Ratio is 4.27% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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