West Plains Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 11.63 percentage points in Q2 2026, from 197.93% to 209.56%. It was the largest change from Q1 2026 among the key lines here. West Plains Bank and Trust Company ranks 131st of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 76.04% (Q2 2026). West Plains Bank and Trust Company reported 76.04% on loan-to-deposit ratio for Q2 2026, 4.80 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $534.2M |
| Net loans and leases | $529.5M |
| Loans held for sale | $179K |
| Loans to total assets | 69.57% |
| Loan-to-deposit ratio | 76.04% |
| Net loans to equity capital | 9.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.58% |
| Multifamily (5+ residential) | 6.18% |
| Commercial and industrial | 12.18% |
| Consumer | 3.08% |
| Credit cards | 0.00% |
| Farm | 12.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.56% |
| Construction concentration (Tier 1 capital + allowance) | 76.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.96% |
| Interest income on loans | $9.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $419.1M | $594.2M | 24.60% | 13.49% | 4.14% |
| Q4 2023 | $418.4M | $597.8M | 23.56% | 12.66% | 4.05% |
| Q1 2024 | $429.7M | $607.0M | 25.65% | 13.68% | 4.26% |
| Q2 2024 | $442.8M | $615.3M | 26.42% | 13.10% | 4.17% |
| Q3 2024 | $458.7M | $604.9M | 25.00% | 13.61% | 3.87% |
| Q4 2024 | $456.1M | $620.4M | 25.31% | 13.31% | 3.76% |
| Q1 2025 | $453.7M | $647.9M | 24.41% | 14.42% | 3.57% |
| Q2 2025 | $451.5M | $643.3M | 27.03% | 13.89% | 3.95% |
| Q3 2025 | $473.1M | $643.6M | 26.54% | 13.70% | 3.67% |
| Q4 2025 | $496.9M | $660.0M | 29.73% | 12.47% | 3.50% |
| Q1 2026 | $511.5M | $705.2M | 29.44% | 12.57% | 3.26% |
| Q2 2026 | $534.2M | $702.5M | 30.58% | 12.18% | 3.08% |
West Plains Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)