BlastPoint's Banking Scorecard
West Plains Bank
Micro
Specialty: Agricultural
NE
FDIC cert 5369
Designations: ✓ Community bank
Ainsworth, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
West Plains Bank shows strong momentum with 2 strengths and 10.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.2M
+10.2% YoY
+7.1% QoQ
|
-$80.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$82.9M
+20.0% YoY
+7.8% QoQ
|
-$56.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$109.3M
+14.3% YoY
+9.6% QoQ
|
-$74.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.31%
+21.9% YoY
-2.4% QoQ
|
+0.22% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.86%
+7.3% YoY
-0.8% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
57.05%
-8.6% YoY
+2.3% QoQ
|
-10.68% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.82%
+5.0% YoY
-1.7% QoQ
|
+1.29% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
23.11%
-15.1% YoY
+7.4% QoQ
|
+0.72% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
-2.0% YoY
+23.7% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
76
76th pctile
Efficiency Ratio
Current: 57.05% · Tier avg: 67.73%
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.82% · Tier avg: 74.53%
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
33
33th pctile
Total Assets
Current: $137.2M · Tier avg: $217.5M
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
32
32th pctile
Total Deposits
Current: $109.3M · Tier avg: $183.7M
Top Weaknesses
32
32th pctile
Total Deposits
Current: $109.3M · Tier avg: $183.7M
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
33
33th pctile
Total Assets
Current: $137.2M · Tier avg: $217.5M
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
49
49th pctile
Loan-to-Deposit Ratio
Current: 75.82% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
76
76th pctile
Efficiency Ratio
Current: 57.05% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%