West Plains Bank and Trust Company: 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.
Reserve coverage of non-performing loans climbed 12.41 percentage points in Q2 2026, from 183.82% to 196.23%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, West Plains Bank and Trust Company is 73rd of 192 on return on assets, 1.66% as of Q2 2026, above the middle of the field. West Plains Bank and Trust Company reported 1.66% on return on assets for Q2 2026, 0.41 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.06% |
| Tier 1 risk-based capital ratio | 11.06% |
| Total risk-based capital ratio | 11.91% |
| Tier 1 leverage ratio | 8.32% |
| Equity capital to assets | 7.37% |
| Tangible equity to tangible assets | 7.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.19% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 196.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 23.19% |
| Net interest margin | 3.80% |
| Efficiency ratio | 56.36% |
| Yield on earning assets | 5.67% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.04% |
| Core deposits to total deposits | 94.85% |
| Brokered deposits to total deposits | 0.55% |
| Deposits to assets | 91.49% |
| Securities to assets | 15.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.88% | 10.88% | 11.79% | 8.20% | 1.04% |
| Q4 2023 | 10.84% | 10.84% | 11.64% | 8.11% | 1.08% |
| Q1 2024 | 10.73% | 10.73% | 11.51% | 8.01% | 0.99% |
| Q2 2024 | 10.54% | 10.54% | 11.29% | 7.85% | 1.02% |
| Q3 2024 | 10.45% | 10.45% | 11.19% | 8.10% | 1.18% |
| Q4 2024 | 10.86% | 10.86% | 11.62% | 8.20% | 1.39% |
| Q1 2025 | 11.42% | 11.42% | 12.25% | 8.19% | 1.29% |
| Q2 2025 | 12.02% | 12.02% | 12.87% | 8.24% | 1.61% |
| Q3 2025 | 11.38% | 11.38% | 12.20% | 8.44% | 1.63% |
| Q4 2025 | 11.44% | 11.44% | 12.28% | 8.63% | 1.71% |
| Q1 2026 | 11.32% | 11.32% | 12.14% | 8.38% | 1.74% |
| Q2 2026 | 11.06% | 11.06% | 11.91% | 8.32% | 1.66% |
West Plains Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15489) · FFIEC NIC profile (RSSD 317258)