West Plains Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Plains Savings and Loan Association 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 | 0.57% | 1.35% | -0.78% | 15th bottom |
| ROAE | 2.72% | 12.06% | -9.34% | 8th bottom |
| Net Interest Margin | 3.11% | 3.90% | -0.79% | 13th bottom |
| Efficiency Ratio | 71.56% | 63.15% | +8.41% | 25th below |
| PPNR / Avg Assets | 0.84% | 1.64% | -0.80% | 16th bottom |
| Yield on Earning Assets | 5.32% | 5.65% | -0.33% | 36th below |
| Cost of Funds | 2.74% | 1.85% | +0.89% | 10th bottom |
| Net Interest Spread | 2.64% | 3.35% | -0.71% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.46% | 0.92% | +2.54% | 5th bottom |
| NPA / Total Assets | 2.60% | 0.67% | +1.93% | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 59th above |
| ACL / NPLs (Coverage) | 36.87% | 1645.82% | -1608.95% | 5th bottom |
| Texas Ratio | 16.12% | 7.15% | +8.97% | 11th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 250.00% | 1189.77% | -939.77% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 21.11% | 12.46% | +8.65% | 96th top |
| Equity / Assets | 20.88% | 11.67% | +9.21% | 96th top |
| TCE / Tangible Assets | 20.88% | 11.40% | +9.48% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.95% | 78.64% | +19.31% | 14th bottom |
| Core Deposit Ratio | 84.17% | 87.09% | -2.92% | 28th below |
| Wholesale Funding Ratio | 1.99% | 5.11% | -3.12% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.54% | 6.48% | -4.94% | 29th below |
| Loan Growth (Y/Y) | 1.30% | 7.64% | -6.34% | 28th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.88% | 6.02% | -1.14% | 56th above |
See West Plains Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Plains Savings and Loan Association, 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 Savings and Loan Association profile, how to read a UBPR, or how this data updates.