C
West Plains Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
12.20
Leverage
Ratio
8.44
Return On
Assets
1.51%
Total
Assets
698.77M
Capital
49.91M
Total
Deposits
643.57M
Net
Income
7.95M
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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 6.40
Liquidity Index 2.70
Profitability Index 6.00
Stability Index 5.00
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 5.24%
5-Year Asset Growth 13.21%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.40%
Non-Performing Loans to Capital 4.15%
Non-Performing Loans to Loans 0.56%
Balance Sheet West Plains Bank and Trust Company
West Plains, MO 		Click to
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Total Assets 698.77M
Total Deposits 643.57M
Capital and Reserves West Plains Bank and Trust Company
West Plains, MO 		Click to
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Capital 49.91M
Leverage Ratio 8.44
Loan Loss Reserves to Loans 0.87%
Risk-Based Capital Ratio 12.20
Liquidity West Plains Bank and Trust Company
West Plains, MO 		Click to
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Hot Money Ratio 14.71%
Liquidity Ratio 14.07%
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 7.95M
Net Interest Spread 3.59%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 61.53%
Return on Assets 1.51%
Return on Equity 23.58%