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West Plains Savings and Loan Association

$100M-$1B Specialty: Mortgage MO FDIC cert 31329

Designations: ✓ Mutual

West Plains, 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 +4.9% year over year ($77.3M on the books).
  • Delinquency rate 4.59%.
  • Return on assets 0.58%.
  • Efficiency ratio 71.78% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.70% 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 Savings and Loan Association faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 16.4% in tier
  • - Liquidity Strain: Bottom 22.4% in tier
  • - Flatlined Growth: Bottom 24.0% in tier
  • - Credit Risk Growth: Bottom 43.0% in tier
  • - Non-Interest-Bearing Deposit Share 20.93% below tier average
  • - Nonperforming Asset Ratio 2.74% above tier average
  • - Non-Interest Income / Assets 0.54% below tier average
  • - ROA 0.74% below tier average
Get updates when West Plains Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $100.5M
+1.5% YoY +1.6% QoQ
-$286.1M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 0.1% in tier
Total Loans ? $74.8M
+1.3% YoY +2.6% QoQ
-$183.6M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 8.4% in tier
Total Deposits ? $77.3M
+4.9% YoY +1.9% QoQ
-$249.4M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 0.8% in tier
Return on Assets ? 0.58%
+57.0% YoY -2.8% QoQ
-0.74% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Bottom 14.6% in tier
Net Interest Margin ? 3.07%
+14.0% YoY +1.8% QoQ
-0.92% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Bottom 11.7% in tier
Efficiency Ratio ? 71.78%
-12.0% YoY +0.3% QoQ
+7.30% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 4.59%
+20.4% YoY -10.0% QoQ
+3.67% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 2.9% in tier
Loan-to-Deposit Ratio ? 96.70%
-3.4% YoY +0.7% QoQ
+18.75% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ? 1.10%
-1.0% YoY -9.5% QoQ
-20.93% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 1.2% in tier
Nonperforming Asset Ratio ? 3.41%
+20.1% YoY -9.1% QoQ
+2.74% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 2.6% in tier
Tier 1 Capital Ratio ? 21.11%
+0.4% YoY +0.7% QoQ
+5.20% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Top 11.7% in tier
Non-Interest Income / Assets ? 0.02%
+7.4% YoY +68.7% QoQ
-0.54% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 2.0% in tier

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 1.1%
0.0pp YoY
-0.1pp QoQ
 -21.0pp 22.1% 20.9% 22.2% 1%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 1.0%
-0.2pp YoY
-0.1pp QoQ
 -10.6pp 11.6% 12.3% 12.5% 4%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 70.7%
-1.2pp YoY
-0.3pp QoQ
 +38.0pp 32.6% 31.9% 31.3% 94%
Consumer 1.1%
0.0pp YoY
-0.1pp QoQ
 -3.0pp 4.1% 4.1% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 21.1%
+0.1pp YoY
+0.1pp QoQ
 +8.9pp 12.2% 11.6% 12.6% 97%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 17
+1 (+6.2%) YoY
+1 (+6.2%) QoQ
 -42 58 162 482 7%
Assets per Employee ($) $5.9M
-4.4% YoY
-4.4% QoQ
 -$1.6M $7.5M $8.0M $8.8M 32%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.5pp YoY
-0.3pp QoQ
 +0.9pp 0.3% 0.3% 0.4% 94%
Nonaccrual 3.4%
+0.3pp YoY
-0.2pp QoQ
 +2.4pp 0.9% 0.8% 1.0% 95%
Allowance Coverage 0.28x
-15.6% YoY
+11.0% QoQ
 -23.87x 24.15x 10.47x 20.23x 3%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 2.8%
+1.0pp YoY
-0.1pp QoQ
 -9.4pp 12.2% 14.3% 11.6% 8%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 82%
Net Income ($, YTD) $291,000
+61.7% YoY
— QoQ
 -$2.3M $2.6M $11.3M $40.4M 6%

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 (4)

Liquidity Overhang

risk
#123 of 742 • Bottom 16.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.11%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 96.70%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Liquidity Strain

risk
#156 of 691 • Bottom 22.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.70%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#128 of 529 • Bottom 24.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.58%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Risk Growth

risk
#403 of 936 • Bottom 43.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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

Top Strengths (1 metrics)

309
Tier 1 Capital Ratio
capital
Value: 21.11%
Peer Median: 15.91%
#309 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (10 metrics)

2641
Total Assets
size
Value: $100.50M
Peer Median: $386.57M
#2641 of 2643 Bottom 0.1% in $100M-$1B
2622
Total Deposits
size
Value: $77.30M
Peer Median: $326.73M
#2622 of 2643 Bottom 0.8% in $100M-$1B
2612
Non-Interest-Bearing Deposit Share
funding
Value: 1.10%
Peer Median: 22.03%
#2612 of 2643 Bottom 1.2% in $100M-$1B
2591
Non-Interest Income / Assets
revenue_mix
Value: 0.02%
Peer Median: 0.57%
#2591 of 2643 Bottom 2.0% in $100M-$1B
2576
Nonperforming Asset Ratio
credit_quality
Value: 3.41%
Peer Median: 0.67%
#2576 of 2643 Bottom 2.6% in $100M-$1B
2557
Delinquency Rate
credit_quality
Value: 4.59%
Peer Median: 0.92%
#2557 of 2633 Bottom 2.9% in $100M-$1B
2423
Total Loans
size
Value: $74.75M
Peer Median: $258.35M
#2423 of 2643 Bottom 8.4% in $100M-$1B
2336
Net Interest Margin
profitability
Value: 3.07%
Peer Median: 3.99%
#2336 of 2643 Bottom 11.7% in $100M-$1B
2273
Loan-to-Deposit Ratio
liquidity
Value: 96.70%
Peer Median: 77.95%
#2273 of 2643 Bottom 14.0% in $100M-$1B
2259
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.32%
#2259 of 2643 Bottom 14.6% in $100M-$1B
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