West Plains Bank is a state-chartered bank (fed member) headquartered in Ainsworth, Nebraska, in business for about 113 years. At the end of Q2 2026 it reported $139.3M in total assets and $110.5M in deposits, with 2 offices.
West Plains Bank has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 11th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (74/100, 1.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (92 → 91).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 91 |
| Q4 2024 | 91 |
| Q1 2025 | 92 |
| Q2 2025 | 92 |
| Q3 2025 | 92 |
| Q4 2025 | 92 |
| Q1 2026 | 90 |
| Q2 2026 | 91 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.00% |
| Q3 2024 | 16.96% |
| Q4 2024 | 17.30% |
| Q1 2025 | 15.82% |
| Q2 2025 | 15.86% |
| Q3 2025 | 16.00% |
| Q4 2025 | 15.49% |
| Q1 2026 | 14.64% |
| Q2 2026 | 14.84% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $139.3M | 14.84% | 0.00% | 1.35% | 75.5% |
| Q1 2026 | 90 | $135.9M | 14.64% | 0.00% | 1.28% | 73.4% |
| Q4 2025 | 92 | $137.2M | 15.49% | 0.00% | 1.31% | 75.8% |
| Q3 2025 | 92 | $128.1M | 16.00% | 0.00% | 1.34% | 77.1% |
| Q2 2025 | 92 | $131.0M | 15.86% | 0.00% | 1.37% | 74.6% |
| Q1 2025 | 92 | $125.4M | 15.82% | 0.00% | 1.22% | 70.9% |
| Q4 2024 | 91 | $124.5M | 17.30% | 0.00% | 1.07% | 72.2% |
| Q3 2024 | 91 | $125.0M | 16.96% | 0.00% | 1.07% | 68.2% |
| Q2 2024 | 90 | $123.3M | 17.00% | 0.00% | 0.99% | 72.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Central BankBank Cambridge, NE | 50 out of 100, Below average | $137.8M | 11.6% | 3.47% | vs |
| Hershey BankBank Hershey, NE | 67 out of 100, Moderate | $141.1M | 13.2% | 1.22% | vs |
| Bank of Dixon CountyBank Ponca, NE | 70 out of 100, Strong | $141.7M | 13.3% | 2.04% | vs |
| F&M BankBank Falls City, NE | 83 out of 100, Strong | $135.3M | 11.6% | 0.00% | vs |
| American Interstate BankBank Elkhorn, NE | 93 out of 100, Very strong | $132.0M | 20.1% | 0.00% | vs |
| State Bank of Table RockBank Table Rock, NE | 64 out of 100, Moderate | $150.4M | 9.7% | 0.79% | vs |
Deposit insurance
Is my money safe at West Plains Bank?
Yes. West Plains Bank is an FDIC-insured institution (FDIC certificate #5369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.5% of deposits ($21.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
West Plains Bank lists 2 offices in 2 cities. Most locations:
- Ainsworth, NE (1)
- Springview, NE (1)
Identity & history
Profile
- Legal name
- West Plains Bank
- Former names
- The Commercial National Bank of Ainsworth
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 5369
- RSSD ID
- 967952
- Primary regulator
- FED
- Holding company
- Commercial Investment Co Inc
- Established
- October 1, 1913
- Headquarters
- 200 N Main St, Ainsworth, NE 69210
- Website
- www.westplainsbk.com
- Employees
- 15
Quick answers
West Plains Bank: common questions
Is West Plains Bank FDIC insured?
Yes. West Plains Bank is an FDIC-insured institution (FDIC certificate #5369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Plains Bank's TellerScore?
91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has West Plains Bank ever failed?
There is no failure record for FDIC certificate #5369 in the FDIC failed bank list.
How many branches does West Plains Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ainsworth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| Union Bank and Trust CompanyBank Lincoln, NE | 76 out of 100, Strong | $9.2B | 10.6% | 0.32% | vs |
| The Tri-County BankBank Stuart, NE | 72 out of 100, Strong | $299.3M | 8.4% | 0.01% | vs |
| Sandhills State BankBank North Platte, NE | 69 out of 100, Moderate | $382.8M | 8.4% | 0.16% | vs |