C
West Plains Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
12.28
Leverage
Ratio
8.63
Return On
Assets
1.56%
Total
Assets
719.37M
Capital
53.46M
Total
Deposits
660.04M
Net
Income
11.01M
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Weiss Ratings West Plains Bank and Trust Company
West Plains, MO 		Click to
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Rating C
Asset Quality Index 5.90
Capitalization Index 6.60
Liquidity Index 2.60
Profitability Index 6.40
Stability Index 4.80
Company Info West Plains Bank and Trust Company
West Plains, MO 		Click to
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FDIC Number 15489
Phone Number (417) 256-2147
Website www.westplainsbank.com
Asset Quality West Plains Bank and Trust Company
West Plains, MO 		Click to
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1-Year Asset Growth 7.72%
5-Year Asset Growth 8.25%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 3.91%
Non-Performing Loans to Loans 0.52%
Balance Sheet West Plains Bank and Trust Company
West Plains, MO 		Click to
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Total Assets 719.37M
Total Deposits 660.04M
Capital and Reserves West Plains Bank and Trust Company
West Plains, MO 		Click to
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Capital 53.46M
Leverage Ratio 8.63
Loan Loss Reserves to Loans 0.87%
Risk-Based Capital Ratio 12.28
Liquidity West Plains Bank and Trust Company
West Plains, MO 		Click to
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Hot Money Ratio 14.04%
Liquidity Ratio 13.17%
Profitability West Plains Bank and Trust Company
West Plains, MO 		Click to
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5-Year Return on Average Assets 1.16%
Net Income 11.01M
Net Interest Spread 3.65%
Operating Profit to Average Assets 1.56%
Overhead Efficiency Ratio 60.62%
Return on Assets 1.56%
Return on Equity 23.60%