BlastPoint's Banking Scorecard

West Plains Bank and Trust Company

$100M-$1B Specialty: Commercial MO FDIC cert 15489

West Plains, MO

7 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +9.2% year over year ($702.5M on the books).
Delinquency rate 0.45%.
Return on assets 1.73%.
Efficiency ratio 57.00% vs a 64.48% peer average.
Loan-to-deposit ratio 75.37% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

West Plains Bank and Trust Company has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.41% above tier average
+ Efficiency Ratio 7.48% below tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.14% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$767.9M +10.4% YoY +0.4% QoQ	+$381.3M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 9.8% in tier
Total Loans ?	$529.5M +18.3% YoY +4.4% QoQ	+$271.2M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 9.2% in tier
Total Deposits ?	$702.5M +9.2% YoY -0.4% QoQ	+$375.8M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 6.6% in tier
Return on Assets ?	1.73% +17.2% YoY -1.9% QoQ	+0.41%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	3.85% +6.3% YoY +2.0% QoQ	-0.14%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	57.00% -8.7% YoY -0.7% QoQ	-7.48%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	0.45% -20.7% YoY -2.1% QoQ	-0.47%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	75.37% +8.3% YoY +4.8% QoQ	-2.58%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	13.65% -8.0% YoY -0.2% QoQ	-8.38%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.33% -15.0% YoY +1.6% QoQ	-0.33%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	11.06% -8.0% YoY -2.4% QoQ	-4.85%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.35% +0.5% YoY +112.4% QoQ	-0.22%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	13.6% -1.2pp YoY 0.0pp QoQ	-8.5pp	22.1%	20.9%	22.2%	19%
Brokered Deposits	0.6% -1.0pp YoY 0.0pp QoQ	-7.3pp	7.9%	7.4%	8.5%	12%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	12.3% -1.7pp YoY -0.4pp QoQ	+0.7pp	11.6%	12.3%	12.5%	65%
CRE	47.2% +3.6pp YoY +0.9pp QoQ	+7.6pp	39.5%	36.8%	41.4%	66%
1-4 Family	18.0% +1.3pp YoY +0.3pp QoQ	-14.7pp	32.6%	31.9%	31.3%	26%
Consumer	3.1% -0.9pp YoY -0.2pp QoQ	-1.0pp	4.1%	4.1%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	11.1% -1.0pp YoY -0.3pp QoQ	-7.8pp	18.8%	18.5%	19.7%	8%
Leverage Ratio	8.3% +0.1pp YoY -0.1pp QoQ	-3.9pp	12.2%	11.6%	12.6%	4%
Total Capital Ratio	11.9% -1.0pp YoY -0.2pp QoQ	-8.0pp	19.9%	19.6%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	101 -2 (-1.9%) YoY -1 (-1.0%) QoQ	+42	58	162	482	87%
Assets per Employee ($)	$7.6M +12.6% YoY +1.4% QoQ	+$84K	$7.5M	$8.0M	$8.8M	62%
Branch Count	7 0 YoY 0 QoQ	+2	4	10	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.5% -0.1pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	50%
Allowance Coverage	1.96x +27.1% YoY +7.0% QoQ	-22.19x	24.15x	10.47x	20.23x	47%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	23.7% +0.3pp YoY -0.6pp QoQ	+11.5pp	12.2%	14.3%	11.6%	95%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	67%
Net Income ($, YTD)	$6.5M +28.1% YoY — QoQ	+$3.9M	$2.6M	$11.3M	$40.4M	94%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

176

Total Deposits

size

Value: $702.50M

Peer Median: $326.73M

#176 of 2643 Top 6.6% in $100M-$1B

245

Total Loans

size

Value: $529.50M

Peer Median: $258.35M

#245 of 2643 Top 9.2% in $100M-$1B

260

Total Assets

size

Value: $767.87M

Peer Median: $386.57M

#260 of 2643 Top 9.8% in $100M-$1B

548

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#548 of 2643 Top 20.7% in $100M-$1B

603

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.32%

#603 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (2 metrics)

2128

Non-Interest-Bearing Deposit Share

funding

Value: 13.65%

Peer Median: 22.03%

#2128 of 2643 Bottom 19.5% in $100M-$1B

2004

Tier 1 Capital Ratio

capital

Value: 11.06%

Peer Median: 15.91%

#2004 of 2643 Bottom 24.2% in $100M-$1B