FDIC Cert #15489 · West Plains, Missouri · Est. 1883

West Plains Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at West Plains Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$719M
Total assets
A
Health grade · Excellent
1.58%
Return on assets
11.4%
Tier 1 capital

Data updated July 2026

The verdict

West Plains Bank and Trust Company earns a PlainBankData health grade of A (81/100), with well-capitalized at 11.44% Tier 1, profitable at 1.58% ROA, 61% efficiency ratio.

#1,357
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
11.44%
Tier 1 ratio - above the 10% well-capitalized line
78th
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.

FDIC Call Report plate

Cert 15489 · MO A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1871/4307
  • PHOTO-FINISH West Bank · IA
  • TIER1-WELL 11.4% Tier 1
  • TEXAS-CLEAN 4.5% Texas
  • ROA-STRONG 1.58% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: West Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around West Plains Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100F&M Bank · NE · near81/100First Bank · NC · near81/100Waukesha State Bank · WI · n…81/100West Bank · IA · near81/100West Plains Bank and… · MO ·…81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around West Plains Bank and Trust Company · July 2026

Call Report read for West Plains Bank and Trust Company in a high-failure state

West Plains Bank and Trust Company (FDIC Cert #15489) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,871 of 4,307. Tier 1 capital prints at 11.44%, clearing the 10% well-capitalized line. The Texas Ratio is 4.48%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.58%. Balance-sheet scale is $719M, 1,357th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is West Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around West Plains Bank and Trust Company

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

West Plains Bank and Trust Company sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about West Plains Bank and Trust Company's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How West Plains Bank and Trust Company's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
West Plains Bank and Trust Company's composite health score
Tier 1 Capital Ratio (11.44%) 28/40
Return on Assets (ROA) (1.58%) 25/25
Texas Ratio (4.48%) 20/20
Efficiency Ratio (60.62%) 8/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$719M

Total balance-sheet footings

Total Deposits

$660M

Customer-funded liabilities

Net Loans

$493M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.04% 11.44% 12.84%
Basel III capital ratios - West Plains Bank and Trust Company

Where West Plains Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Plains Bank and Trust Company's score of 81/100 falls in the highlighted band.

West Plains Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. West Plains Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

West Plains Bank and Trust Company'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 and Trust Company's $719M falls in the highlighted band.

Capital & credit buffers at West Plains Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

11.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.44%
Texas Ratio
4.48%
Equity Capital
$53M

What these ratios mean →

Earnings posture at West Plains Bank and Trust Company

Return on Assets (ROA)
78th percentile nationally
1.58%
Return on Equity (ROE)
23.59%
Efficiency Ratio
60.62%

What these mean →

Income & expense at West Plains Bank and Trust Company

$38M
Interest Income
$5M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. West Plains Bank and Trust Company reports a Texas Ratio of 4.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View West Plains Bank and Trust Company on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($719M here), outside Missouri so the neighborhood is not state containment.

The Peoples State Bank of Newton, Ill… $720M · IL First Neighbor Bank $718M · IL The Bank of Elk River $718M · MN The Genoa Banking Company $721M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Plains Bank and Trust Company (FDIC Cert #15489) - 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.

West Plains Bank and Trust Company Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%