West Plains Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
West Plains Savings and Loan Association is an FDIC-insured savings and loan association headquartered in West Plains, MO, established in 1919 (FDIC certificate 31329), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $100.5M, up 1.5% from Q2 2025, the 174th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31329
- Headquarters
- West Plains, MO
- Established
- 1919
- Total assets, Q2 2026
- $100.5M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 21.11%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 281573686
- Latest call report
- Q2 2026, FFIEC 051 · West Plains Savings and Loan Association call report
- Asset rank in state
- 174th of 191 in Missouri
Problem loans are rising at West Plains Savings and Loan Association. The West Plains, Missouri bank had $101 million in assets at June 30, 2026, up 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.53% of loans from 3.76% a year earlier. It returns 2.7% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.74% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
The non-owner-occupied commercial real estate book ($13 million) is worsening: 9.67% of it is past due or on nonaccrual, up from 5.60% a year earlier. Net income for the quarter rose 20% from a year earlier, to $142,000. Credit is the area to watch: it carries problem assets equal to 15.6% of the capital and reserves that would absorb them, 5.9 times the median of 2.6% for banks its size.
As of June 30, 2026, West Plains Savings and Loan Association reported a return on assets of 0.57%, a nonperforming-loan ratio of 4.53% and a Texas ratio of 15.63%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, West Plains Savings and Loan Association is the 174th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $100.5M, loans rose 2.6% and deposits rose 1.9%. 1-4 family residential loans made up 69.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.2%. The FDIC Summary of Deposits lists a single office for it, in West Plains, MO. Judged on its Q2 2026 call report, West Plains Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $77.3M
- Allowance for credit losses
- $965K
- Net charge-offs (YTD)
- $12K
- Average total assets
- $99.6M
- Average total loans
- $74.2M
- Average interest-bearing deposits
- $75.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31329
- Fed RSSD
- 966973
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, West Plains Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, West Plains Savings and Loan Association's total assets ran between $92.3M (Q3 2023) and $100.5M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$100.5M total assets against $99.0M; $79.5M total liabilities against $78.5M.
$74.8M net loans and leases against $73.8M; $77.3M total deposits against $73.7M.
$10.9M securities against $9.3M; $12.6M cash and balances due against $13.6M.
$1.3M total interest income against $1.2M; $521K total interest expense against $564K.
$732K net interest income against $635K.
$10K total noninterest income against $9K; $534K total noninterest expense against $495K.
$23K provision for credit losses against $0.
$142K net income against $118K.
0.57% return on assets against 0.48%; 3.11% net interest margin against 2.77%.
21.11% tier 1 leverage ratio against 21.02%.
Inside the full West Plains Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
West Plains Savings and Loan Association rankings
Its closest position to the top of a national ranking is 284 of 3,640, for Texas Ratio; its furthest is 3,173 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.23% (Q4 2024) to 0.60% (Q1 2026) and its net interest margin ran from 2.39% (Q4 2024) to 3.11% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.11% | 0.57% | 4.53% | 15.63% | 3.11% |
| Q1 2026 | 20.97% | 0.60% | 5.03% | 17.06% | 2.99% |
| Q4 2025 | 20.63% | 0.26% | 3.97% | 13.84% | 2.97% |
| Q3 2025 | 20.69% | 0.51% | 4.57% | 15.95% | 2.80% |
| Q2 2025 | 21.02% | 0.48% | 3.76% | 13.14% | 2.77% |
| Q1 2025 | 21.54% | 0.26% | 4.93% | 17.45% | 2.59% |
| Q4 2024 | 21.65% | -0.23% | 4.69% | 16.37% | 2.39% |
| Q3 2024 | 21.94% | -0.17% | 4.72% | 18.53% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Plains Savings and Loan Association (main office) | West Plains , MO | 65775 | $77.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 214 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, West Plains Savings and Loan Association reported total assets of $100.5 million in its FFIEC call report.
Where is West Plains Savings and Loan Association headquartered?
It is headquartered in West Plains, MO, United States.
When was West Plains Savings and Loan Association founded?
It was established in 1919, per the FDIC institution directory.
Is West Plains Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (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.
How many branches does West Plains Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Plains Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 15.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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