BlastPoint's Banking Scorecard
West Plains Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
West Plains, MO
West Plains Savings and Loan Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.04% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.74% above tier average
- - Non-Interest-Bearing Deposit Share 22.57% below tier average
- - Nonperforming Asset Ratio 2.98% above tier average
- - Non-Interest Income / Assets 0.66% below tier average
- - ROA 0.25% below tier average
- - Net Interest Margin 0.85% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.9M
+2.4% YoY
-0.2% QoQ
|
+$36.6M |
$62.3M
-0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.0% YoY
|
Top 1.1% in tier |
| Total Loans ? |
$72.9M
-2.1% YoY
-1.1% QoQ
|
+$38.6M |
$34.3M
-1.5% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.7% YoY
|
Top 3.2% in tier |
| Total Deposits ? |
$75.9M
+6.2% YoY
+0.3% QoQ
|
+$24.0M |
$51.8M
-0.6% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.0% YoY
|
84% |
| Return on Assets ? |
0.60%
+131.6% YoY
+58.4% QoQ
|
-0.25% |
0.86%
-3.6% YoY
|
1.43%
+10.8% YoY
|
1.24%
+13.1% YoY
|
34% |
| Net Interest Margin ? |
3.02%
+15.3% YoY
+7.2% QoQ
|
-0.85% |
3.87%
+2.7% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
71.59%
-17.4% YoY
-11.6% QoQ
|
-16.04% |
87.63%
+2.3% YoY
|
59.97%
-5.2% YoY
|
66.84%
-3.8% YoY
|
49% |
| Delinquency Rate ? |
5.10%
+2.1% YoY
+27.0% QoQ
|
+3.74% |
1.36%
+33.7% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.8% in tier |
| Loan-to-Deposit Ratio ? |
96.05%
-7.8% YoY
-1.5% QoQ
|
+31.94% |
64.11%
-0.9% YoY
|
79.48%
+1.6% YoY
|
76.69%
+0.9% YoY
|
Bottom 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.21%
-2.8% YoY
+16.4% QoQ
|
-22.57% |
23.79%
+0.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.1% YoY
|
Bottom 6.9% in tier |
| Nonperforming Asset Ratio ? |
3.76%
-2.3% YoY
+24.3% QoQ
|
+2.98% |
0.77%
+28.7% YoY
|
0.67%
+20.5% YoY
|
0.66%
+19.3% YoY
|
Bottom 3.2% in tier |
| Tier 1 Capital Ratio ? |
20.97%
-2.7% YoY
+1.6% QoQ
|
-5.81% |
26.77%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.01%
+5.2% YoY
-64.0% QoQ
|
-0.66% |
0.67%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.0% YoY
|
Bottom 9.1% in tier |
Get Full Access to West Plains Savings and Loan Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.