TellerScore

West Plains Bank and Trust Company (FDIC certificate #15489) is based in West Plains, Missouri. Its Q2 2026 call report shows $767.9M in total assets and $702.5M in deposits and 7 offices.

West Plains Bank and Trust Company has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 106th. Problem-loan coverage contributes the most (92/100, 4.2%); capital cushion contributes the least (33/100, 8.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.32%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 75.4% · 23.0% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.19%

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

From Q2 2025 to Q2 2026, the score rose 3 points (67 → 70), mostly because the earnings component improved by 10 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202463
Q1 202565
Q2 202567
Q3 202567
Q4 202569
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%6.81%8.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.85%
Q3 20248.10%
Q4 20248.20%
Q1 20258.19%
Q2 20258.24%
Q3 20258.44%
Q4 20258.63%
Q1 20268.38%
Q2 20268.32%
Noncurrent loans
0.45%0.54%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.62%
Q3 20240.62%
Q4 20240.59%
Q1 20250.58%
Q2 20250.56%
Q3 20250.56%
Q4 20250.52%
Q1 20260.46%
Q2 20260.45%
Return on assets
1.03%1.40%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20241.09%
Q4 20241.17%
Q1 20251.31%
Q2 20251.48%
Q3 20251.54%
Q4 20251.58%
Q1 20261.77%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$767.9M8.32%0.45%1.73%75.4%
Q1 202671$764.8M8.38%0.46%1.77%71.9%
Q4 202569$719.4M8.63%0.52%1.58%74.6%
Q3 202567$698.8M8.44%0.56%1.54%72.9%
Q2 202567$695.6M8.24%0.56%1.48%69.6%
Q1 202565$696.4M8.19%0.58%1.31%69.4%
Q4 202463$667.8M8.20%0.59%1.17%72.9%
Q3 202462$664.0M8.10%0.62%1.09%75.2%
Q2 202461$666.9M7.85%0.62%1.03%71.4%

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).

Capital ratio8.32%
4th
Total risk-based capital11.91%
52nd
Problem loans0.45%
48th
Net charge-offs0.02%
42nd
Return on assets1.73%
77th
Net interest margin3.85%
45th
Efficiency ratio57.0%
66th
Loans to deposits75.4%
59th
Uninsured deposits23.0%
53rd
Loan-loss reserves0.88%
16th
Texas ratio4.2%
40th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
HomeBankBank Palmyra, MO74 out of 100, Strong$733.3M9.6%0.29%vs
First Midwest Bank of the OzarksBank Poplar Bluff, MO69 out of 100, Moderate$733.2M10.8%1.00%vs
MRV BanksBank Sainte Genevieve, MO43 out of 100, Below average$803.1M11.5%5.72%vs
CNB St Louis BankBank Maplewood, MO65 out of 100, Moderate$812.9M9.3%0.57%vs

Deposit insurance

Is my money safe at West Plains Bank and Trust Company?

Yes. West Plains Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.0% of deposits ($161.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.32%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.91% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

West Plains Bank and Trust Company lists 5 offices in 4 cities. Most locations:

  • West Plains, MO (2)
  • Houston, MO (1)
  • Mountain View, MO (1)
  • Willow Springs, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
West Plains Bank and Trust Company
Former names
West Plains Bank
Type
State-chartered bank
FDIC certificate #
15489
RSSD ID
317258
Primary regulator
FDIC
Holding company
West Plains Bancshares Inc
Established
April 13, 1883
Headquarters
11 Court Sq, West Plains, MO 65775
Employees
101

Quick answers

West Plains Bank and Trust Company: common questions

Is West Plains Bank and Trust Company FDIC insured?

Yes. West Plains Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15489). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is West Plains Bank and Trust Company's TellerScore?

70 out of 100 (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 and Trust Company ever failed?

There is no failure record for FDIC certificate #15489 in the FDIC failed bank list.

How many branches does West Plains Bank and Trust Company have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Plains

InstitutionScoreAssetsCapitalProblem loansCompare
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Community First Banking CompanyBank West Plains, MO75 out of 100, Strong$307.3M10.3%0.00%vs
Century Bank of the OzarksBank Gainesville, MO74 out of 100, Strong$305.3M8.8%0.19%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
South Central Missouri Credit UnionCredit union Willow Springs, MO71 out of 100, Strong$9.2M15.8%1.66%vs
Bank of SalemBank Salem, AR71 out of 100, Strong$261.5M12.4%1.79%vs