West Plains Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 7.3% to -$8.0M. Within Missouri, West Plains Bank and Trust Company is 82nd of 98 on CET1 ratio, 11.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. West Plains Bank and Trust Company sits 4.01 points lower, at 11.06% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.06% |
| Tier 1 risk-based capital ratio | 11.06% |
| Total risk-based capital ratio | 11.91% |
| Tier 1 leverage ratio | 8.32% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $64.6M |
| Tier 1 capital | $64.6M |
| Total risk-based capital | $69.6M |
| Total equity capital | $56.6M |
| Risk-weighted assets | $584.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.37% |
| Tangible equity to tangible assets | 7.37% |
| Equity capital to average assets | 7.29% |
| Internal capital growth rate | 9.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $440K |
| Common stock surplus | $2.5M |
| Retained earnings | $61.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.88% | 10.88% | 11.79% | 8.20% | $493.6M |
| Q4 2023 | 10.84% | 10.84% | 11.64% | 8.11% | $489.6M |
| Q1 2024 | 10.73% | 10.73% | 11.51% | 8.01% | $496.9M |
| Q2 2024 | 10.54% | 10.54% | 11.29% | 7.85% | $508.6M |
| Q3 2024 | 10.45% | 10.45% | 11.19% | 8.10% | $525.1M |
| Q4 2024 | 10.86% | 10.86% | 11.62% | 8.20% | $516.1M |
| Q1 2025 | 11.42% | 11.42% | 12.25% | 8.19% | $498.0M |
| Q2 2025 | 12.02% | 12.02% | 12.87% | 8.24% | $485.7M |
| Q3 2025 | 11.38% | 11.38% | 12.20% | 8.44% | $523.2M |
| Q4 2025 | 11.44% | 11.44% | 12.28% | 8.63% | $540.9M |
| Q1 2026 | 11.32% | 11.32% | 12.14% | 8.38% | $559.3M |
| Q2 2026 | 11.06% | 11.06% | 11.91% | 8.32% | $584.2M |
West Plains Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Bank and Trust Company, freeSource: Call Report Schedule RC-R, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15489) · FFIEC NIC profile (RSSD 317258)