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West Plains Bank
Ainsworth, NE · FDIC Certificate #5369 · Chartered 10/0
Total assets
$139.33M
Total deposits
$110.49M
Total equity
$20.07M
Net loans
$83.38M
Branches (offices)
2
Net income (YTD)
$926.00K
Rank: #3,385 of 4,213 U.S. banks by assets · #94 of 138 in Nebraska. Assets changed 6.4% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 9.23% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 14.40% |
| Tier 1 leverage ratio | 14.84% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.5% |
| Real estate loans (share of loans) | 36.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $30.53M | 36.6% | |
| Commercial & industrial | $21.43M | 25.7% | |
| Consumer / individual | $1.76M | 2.1% | |
| Construction & development | $138.00K | 0.2% | |
| Agricultural | $30.41M | 36.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $129.07M | $100.83M | $493.00K | $17.21M |
| Jun 2023 | $123.98M | $95.92M | $818.00K | $18.21M |
| Jun 2024 | $123.26M | $97.25M | $604.00K | $19.58M |
| Jun 2025 | $130.99M | $102.98M | $868.00K | $19.70M |
| Jun 2026 | $139.33M | $110.49M | $926.00K | $20.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $110.49M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $110.49M.
Similar-sized banks
Community Bankers' Bank ($139.43M) · Planters And Citizens Bank ($139.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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