West Plains Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Plains Bank and Trust Company of West Plains, MO against its peer group of 2672 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 23.19% | 13.31% | +9.88% | 94th top |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 56.36% | 61.14% | -4.78% | 65th above |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 67th above |
| Yield on Earning Assets | 5.67% | 5.67% | +0.00% | 53rd above |
| Cost of Funds | 1.72% | 1.88% | -0.16% | 55th above |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.94% | -0.49% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.70% | -0.37% | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 15th bottom |
| ACL / NPLs (Coverage) | 196.23% | 1539.77% | -1343.54% | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.19% | 7.33% | -3.14% | 45th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 980.49% | 1395.96% | -415.47% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.06% | 19.51% | -8.45% | 9th bottom |
| Tier 1 Ratio | 11.06% | 19.55% | -8.49% | 9th bottom |
| Total Capital Ratio | 11.91% | 20.63% | -8.72% | 7th bottom |
| Leverage Ratio | 8.32% | 12.14% | -3.82% | 4th bottom |
| Equity / Assets | 7.37% | 11.38% | -4.01% | 8th bottom |
| TCE / Tangible Assets | 7.37% | 11.10% | -3.73% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.04% | 80.64% | -4.60% | 59th above |
| Core Deposit Ratio | 94.85% | 86.85% | +8.00% | 83rd top |
| Wholesale Funding Ratio | 0.58% | 5.04% | -4.46% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.39% | 6.85% | +3.54% | 84th top |
| Loan Growth (Y/Y) | 18.32% | 7.90% | +10.42% | 91st top |
| Deposit Growth (Y/Y) | 9.20% | 6.29% | +2.91% | 80th top |
See West Plains Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Plains Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.