BlastPoint's Banking Scorecard
West Plains Savings and Loan Association
Micro
Specialty: Mortgage
MO
FDIC cert 31329
Designations: ✓ Community bank ✓ Mutual
West Plains, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
West Plains Savings and Loan Association faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.38% above tier
- - Non-Interest-Bearing Deposit Share 21.35% below tier
- - Nonperforming Asset Ratio 2.57% above tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.1M
+5.1% YoY
-1.3% QoQ
|
-$118.4M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$73.7M
+0.8% YoY
-0.7% QoQ
|
-$65.5M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$75.6M
+9.3% YoY
+0.8% QoQ
|
-$108.0M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.38%
-9.4% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.81%
+16.4% YoY
+2.7% QoQ
|
-1.04% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
80.98%
-15.9% YoY
+1.5% QoQ
|
+13.26% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
4.02%
-15.4% YoY
-13.2% QoQ
|
+3.38% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
97.46%
-7.7% YoY
-1.6% QoQ
|
+22.94% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.04%
-24.8% YoY
-21.0% QoQ
|
-21.35% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
3.02%
-17.9% YoY
-11.7% QoQ
|
+2.57% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.04%
+143.6% YoY
+31.7% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.02%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.04%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.02%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
31
31th pctile
Total Loans
Current: $73.7M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $99.1M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $75.6M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 80.98% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.46% · Tier avg: 74.53%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.04% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 4.02% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.02% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.02% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.02% · Tier avg: 0.64%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.04% · Tier avg: 22.39%
11
11th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.85%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.46% · Tier avg: 74.53%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 80.98% · Tier avg: 67.73%
20
20th pctile
Total Deposits
Current: $75.6M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $99.1M · Tier avg: $217.5M
31
31th pctile
Total Loans
Current: $73.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%