BlastPoint's Banking Scorecard
West Plains Bank and Trust Company
West Plains, MO
7 branches across MO
West Plains Bank and Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 42.8% in tier
- + Efficiency Ratio 7.89% below tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.16% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$764.8M
+9.8% YoY
+6.3% QoQ
|
+$378.8M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Top 9.9% in tier |
| Total Loans ? |
$507.2M
+12.8% YoY
+3.0% QoQ
|
+$251.5M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Top 10.4% in tier |
| Total Deposits ? |
$705.2M
+8.9% YoY
+6.8% QoQ
|
+$377.2M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Top 6.6% in tier |
| Return on Assets ? |
1.77%
+34.9% YoY
+11.6% QoQ
|
+0.50% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
3.77%
+9.1% YoY
+0.8% QoQ
|
-0.16% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
57.40%
-10.3% YoY
-5.3% QoQ
|
-7.89% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.46%
-21.8% YoY
-12.4% QoQ
|
-0.43% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
71.93%
+3.6% YoY
-3.6% QoQ
|
-4.71% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
13.68%
-0.4% YoY
-1.3% QoQ
|
-8.34% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.33%
-19.4% YoY
-14.5% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.32%
-0.9% YoY
-1.0% QoQ
|
-4.51% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.16%
-1.4% YoY
-77.2% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
78% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.