West Plains Savings and Loan Association: 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.
The largest change between Q1 2026 and Q2 2026 was in Loan-to-deposit ratio, which rose 0.66 percentage points to 97.95%. On return on assets, West Plains Savings and Loan Association is 12th from the bottom among 192 Missouri banks, 0.57% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, West Plains Savings and Loan Association reported 0.57% on return on assets in Q2 2026, 0.68 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 21.11% |
| Equity capital to assets | 20.88% |
| Tangible equity to tangible assets | 20.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.46% |
| Non-performing assets ratio | 2.60% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 16.12% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 36.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 2.72% |
| Net interest margin | 3.11% |
| Efficiency ratio | 71.56% |
| Yield on earning assets | 5.32% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.95% |
| Core deposits to total deposits | 84.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.92% |
| Securities to assets | 10.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.91% | -0.57% | 2.60% | 1.80% | 1.03% |
| Q4 2023 | 21.99% | 0.53% | 2.41% | 3.40% | 0.20% |
| Q1 2024 | 22.00% | 0.11% | 2.23% | 2.11% | 0.08% |
| Q2 2024 | 21.91% | 0.23% | 2.52% | 2.03% | 0.03% |
| Q3 2024 | 21.94% | -0.17% | 2.40% | 3.59% | 0.00% |
| Q4 2024 | 21.65% | -0.23% | 2.39% | 3.39% | 0.00% |
| Q1 2025 | 21.54% | 0.26% | 2.59% | 3.66% | 0.00% |
| Q2 2025 | 21.02% | 0.48% | 2.77% | 3.00% | 0.00% |
| Q3 2025 | 20.69% | 0.51% | 2.80% | 3.46% | 0.00% |
| Q4 2025 | 20.63% | 0.26% | 2.97% | 3.52% | 0.02% |
| Q1 2026 | 20.97% | 0.60% | 2.99% | 3.48% | 0.06% |
| Q2 2026 | 21.11% | 0.57% | 3.11% | 3.46% | 0.01% |
West Plains Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31329) · FFIEC NIC profile (RSSD 966973)