BlastPoint's Banking Scorecard
West Plains Bank and Trust Company
Community
Specialty: Commercial
MO
FDIC cert 15489
West Plains, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
West Plains Bank and Trust Company shows strong momentum with 1 strength and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 41% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$719.4M
+7.7% YoY
+2.9% QoQ
|
-$672.1M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$492.5M
+8.9% YoY
+5.0% QoQ
|
-$482.9M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$660.0M
+6.4% YoY
+2.6% QoQ
|
-$504.6M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.58%
+34.9% YoY
+3.0% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.74%
+12.3% YoY
+1.4% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
60.62%
-11.4% YoY
-1.5% QoQ
|
-2.01% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.53%
-12.0% YoY
-6.8% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
74.62%
+2.3% YoY
+2.4% QoQ
|
-8.44% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
13.86%
-1.8% YoY
+0.2% QoQ
|
-7.18% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.39%
-11.2% YoY
-4.8% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
11.44%
+5.4% YoY
+0.5% QoQ
|
+1.20% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.72%
-1.3% YoY
+32.0% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#153 of 371 · Top 41% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
55
55th pctile
Efficiency Ratio
Current: 60.62% · Tier avg: 62.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
34
34th pctile
Total Deposits
Current: $660.0M · Tier avg: $1.2B
30
30th pctile
Total Loans
Current: $492.5M · Tier avg: $975.5M
29
29th pctile
Total Assets
Current: $719.4M · Tier avg: $1.4B
28
28th pctile
Loan-to-Deposit Ratio
Current: 74.62% · Tier avg: 83.06%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.86% · Tier avg: 21.05%
Top Weaknesses
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.86% · Tier avg: 21.05%
28
28th pctile
Loan-to-Deposit Ratio
Current: 74.62% · Tier avg: 83.06%
29
29th pctile
Total Assets
Current: $719.4M · Tier avg: $1.4B
30
30th pctile
Total Loans
Current: $492.5M · Tier avg: $975.5M
34
34th pctile
Total Deposits
Current: $660.0M · Tier avg: $1.2B
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
55
55th pctile
Efficiency Ratio
Current: 60.62% · Tier avg: 62.63%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%