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West Plains Bank And Trust Company
West Plains, MO · FDIC Certificate #15489 · Chartered 04/1
Total assets
$767.87M
Total deposits
$702.50M
Total equity
$56.58M
Net loans
$529.50M
Branches (offices)
7
Net income (YTD)
$6.50M
Rank: #1,302 of 4,213 U.S. banks by assets · #50 of 190 in Missouri. Assets changed 10.4% and deposits 9.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 23.69% |
| Net interest margin (YTD) | 3.85% |
| Equity to assets | 7.37% |
| Tier 1 leverage ratio | 8.32% |
| Uninsured deposits (share of deposits) | 23.0% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 75.4% |
| Real estate loans (share of loans) | 78.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $413.85M | 78.2% | |
| Commercial & industrial | $65.07M | 12.3% | |
| Consumer / individual | $16.43M | 3.1% | |
| Construction & development | $53.33M | 10.1% | |
| Agricultural | $38.77M | 7.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $587.49M | $549.18M | $3.20M | $32.58M |
| Jun 2023 | $634.54M | $596.66M | $3.06M | $32.32M |
| Jun 2024 | $666.85M | $615.25M | $3.39M | $35.53M |
| Jun 2025 | $695.59M | $643.32M | $5.08M | $46.50M |
| Jun 2026 | $767.87M | $702.50M | $6.50M | $56.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $702.50M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $702.50M.
Similar-sized banks
Liberty Capital Bank ($767.87M) · Optus Bank ($764.19M)
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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