Total Assets
$137M
Total balance-sheet footings
FDIC Cert #5369 · Ainsworth, Nebraska · Est. 1913
West Plains Bank - FDIC Bank Health Profile
A community-scale look at West Plains Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $137M
- Total assets
- A
- Health grade · Excellent
- 1.31%
- Return on assets
- 15.5%
- Tier 1 capital
Data updated July 2026
The verdict
West Plains Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.49% Tier 1, profitable at 1.31% ROA, efficient (57% cost ratio).
- #3,464
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 15.49%
- Tier 1 ratio - above the 10% well-capitalized line
- 64th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How West Plains Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
West Plains Bank's composite health score
Tier 1 Capital Ratio (15.49%) 40/40
Return on Assets (ROA) (1.31%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (57.05%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$109M
Customer-funded liabilities
Net Loans
$83M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where West Plains Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Plains Bank's score of 92/100 falls in the highlighted band.
West Plains Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). West Plains Bank's $137M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.49%
Texas Ratio
0.00%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.31%
Return on Equity (ROE)
8.52%
Efficiency Ratio
57.05%
What the numbers say about West Plains Bank
West Plains Bank is an FDIC-insured institution (Certificate #5369) headquartered in Ainsworth, Nebraska, established in 1913. It holds $137M in total assets - 3,464th of 4,313 FDIC-insured banks, $109M in customer deposits, and $83M in net loans. Looking at capital strength, Tier 1 stands at 15.49%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, West Plains Bank ranks 95th of 142 banks based in Nebraska -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$351K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. West Plains Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Plains Bank (FDIC Cert #5369) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is West Plains Bank's health grade?▼
West Plains Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is West Plains Bank?▼
West Plains Bank holds $137M in total assets and $109M in deposits, ranking 3,464th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ainsworth, Nebraska.
Is my money safe at West Plains Bank?▼
Yes, deposits at West Plains Bank (Certificate #5369) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is West Plains Bank's Tier 1 Capital Ratio?▼
West Plains Bank has a Tier 1 Capital Ratio of 15.49%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for West Plains Bank?▼
West Plains Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is West Plains Bank?▼
West Plains Bank has an Efficiency Ratio of 57.05%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read West Plains Bank's profile as a depositor or analyst.
- West Plains Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare West Plains Bank against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.