West Plains Savings and Loan Association
West Plains Savings and Loan Association is a small community bank chartered in 1919, based in West Plains, MO. West Plains Savings and Loan Association's Q1 2026 balance sheet shows $99M in assets funded primarily by $76M in customer deposits. Profitability runs below industry average — 0.60% ROA, 2.87% ROE, with NIM at 2.99%. Under the simplified Community Bank Leverage Ratio framework, leverage of 20.97% exceeds the 9% CBLR threshold. Credit metrics show stress — 3.48% NPLs and a 17.06% Texas Ratio above the 100% historical failure threshold. The bank operates from a single office.
Headquarters Profile
- Address
- 417 W Broadway St, WEST PLAINS, MO 65775
- County
- Howell
- Metro Area
- WEST PLAINS, MO
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1919
- Branches
- 1 domestic
- Employees (FTE)
- 16
- FDIC Cert
- 31329
- Fed RSSD
- 966973
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
West Plains Savings and Loan Association 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… | |||
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Frequently asked about West Plains Savings and Loan Association
What are West Plains Savings and Loan Association's total assets?
As of the Q1 2026 filing, West Plains Savings and Loan Association reported total assets of $98.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is West Plains Savings and Loan Association headquartered?
West Plains Savings and Loan Association 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 Savings and Loan Association founded?
West Plains Savings and Loan Association was established in 1919, per the FDIC institution directory.
Is West Plains Savings and Loan Association FDIC-insured?
Yes. West Plains Savings and Loan Association is an FDIC-insured commercial bank (FDIC Certificate #31329). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Plains Savings and Loan Association?
West Plains Savings and Loan Association's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does West Plains Savings and Loan Association operate?
West Plains Savings and Loan Association operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is West Plains Savings and Loan Association's Texas Ratio?
West Plains Savings and Loan Association's Texas Ratio is 17.06% — 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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