West Plains Savings and Loan Association: 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 5.18 percentage points in Q2 2026, from 81.94% to 87.12%. It was the largest change from Q1 2026 among the key lines here. West Plains Savings and Loan Association ranks 30th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 97.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. West Plains Savings and Loan Association sits 17.11 points higher, at 97.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.7M |
| Net loans and leases | $74.8M |
| Loans held for sale | $0 |
| Loans to total assets | 75.34% |
| Loan-to-deposit ratio | 97.95% |
| Net loans to equity capital | 3.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.99% |
| Consumer | 1.13% |
| Credit cards | 0.00% |
| Farm | 0.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.12% |
| Construction concentration (Tier 1 capital + allowance) | 27.79% |
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 | — |
| Interest income on loans | $1.1M |
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 | $70.9M | $67.4M | 0.00% | 5.00% | 1.58% |
| Q4 2023 | $71.5M | $68.0M | 0.00% | 4.66% | 1.38% |
| Q1 2024 | $70.9M | $68.0M | 0.00% | 4.99% | 1.24% |
| Q2 2024 | $71.1M | $68.9M | 0.00% | 5.12% | 1.17% |
| Q3 2024 | $72.3M | $68.7M | 0.00% | 5.34% | 1.18% |
| Q4 2024 | $74.0M | $69.2M | 16.02% | 1.08% | 1.20% |
| Q1 2025 | $75.3M | $71.4M | 16.42% | 1.01% | 1.09% |
| Q2 2025 | $74.7M | $73.7M | 17.60% | 1.15% | 1.10% |
| Q3 2025 | $75.2M | $75.0M | 17.60% | 1.13% | 1.13% |
| Q4 2025 | $74.6M | $75.6M | 17.20% | 1.11% | 1.06% |
| Q1 2026 | $73.8M | $75.9M | 16.48% | 1.08% | 1.18% |
| Q2 2026 | $75.7M | $77.3M | 17.23% | 0.99% | 1.13% |
West Plains Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31329) · FFIEC NIC profile (RSSD 966973)