Headquartered in West Plains, Missouri, West Plains Savings and Loan Association is a savings association with $100.5M in total assets and $77.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1919.
Based on its Q2 2026 filing, West Plains Savings and Loan Association scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 174th. Its strongest component is capital cushion (100/100; 21.11%), and its lowest is loan quality (0/100; 4.53%).
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
From Q2 2025 to Q2 2026, the score rose 2 points (53 → 55), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 49 |
| Q4 2024 | 49 |
| Q1 2025 | 51 |
| Q2 2025 | 53 |
| Q3 2025 | 53 |
| Q4 2025 | 54 |
| Q1 2026 | 55 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.91% |
| Q3 2024 | 21.94% |
| Q4 2024 | 21.65% |
| Q1 2025 | 21.54% |
| Q2 2025 | 21.02% |
| Q3 2025 | 20.69% |
| Q4 2025 | 20.63% |
| Q1 2026 | 20.97% |
| Q2 2026 | 21.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.74% |
| Q3 2024 | 4.72% |
| Q4 2024 | 4.69% |
| Q1 2025 | 4.93% |
| Q2 2025 | 3.76% |
| Q3 2025 | 4.57% |
| Q4 2025 | 3.97% |
| Q1 2026 | 5.03% |
| Q2 2026 | 4.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.06% |
| Q4 2024 | -0.02% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $100.5M | 21.11% | 4.53% | 0.58% | 96.7% |
| Q1 2026 | 55 | $98.9M | 20.97% | 5.03% | 0.60% | 96.1% |
| Q4 2025 | 54 | $99.1M | 20.63% | 3.97% | 0.38% | 97.5% |
| Q3 2025 | 53 | $100.4M | 20.69% | 4.57% | 0.42% | 99.0% |
| Q2 2025 | 53 | $99.0M | 21.02% | 3.76% | 0.37% | 100.1% |
| Q1 2025 | 51 | $96.6M | 21.54% | 4.93% | 0.26% | 104.1% |
| Q4 2024 | 49 | $94.3M | 21.65% | 4.69% | -0.02% | 105.6% |
| Q3 2024 | 49 | $93.8M | 21.94% | 4.72% | 0.06% | 104.0% |
| Q2 2024 | 51 | $94.1M | 21.91% | 3.74% | 0.17% | 102.0% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of BillingsBank Billings, MO | 64 out of 100, Moderate | $105.0M | 9.9% | 0.91% | vs |
| The Citizens Bank of EdinaBank Edina, MO | 81 out of 100, Strong | $106.7M | 14.5% | 1.45% | vs |
| Citizens Bank & TrustBank Rock Port, MO | 85 out of 100, Very strong | $107.3M | 12.5% | 0.08% | vs |
| The Bank of Grain ValleyBank Grain Valley, MO | 95 out of 100, Very strong | $110.6M | 24.0% | 0.00% | vs |
| TPNB BankBank Paris, MO | 89 out of 100, Very strong | $112.0M | 15.2% | 0.00% | vs |
| Neighbors BankBank Clarence, MO | 47 out of 100, Below average | $115.6M | 11.1% | 1.38% | vs |
Deposit insurance
Is my money safe at West Plains Savings and Loan Association?
Yes. West Plains Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31329). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.2% of deposits ($4.0M) 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 21.11%, 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%).
1 location
Branches
West Plains Savings and Loan Association lists 1 office in 1 city. Most locations:
- West Plains, MO (1)
Identity & history
Profile
- Legal name
- West Plains Savings and Loan Association
- Type
- Savings association
- FDIC certificate #
- 31329
- RSSD ID
- 966973
- Primary regulator
- FDIC
- Established
- January 1, 1919
- Headquarters
- 417 W Broadway St, West Plains, MO 65775
- Employees
- 17
Quick answers
West Plains Savings and Loan Association: common questions
Is West Plains Savings and Loan Association FDIC insured?
Yes. West Plains Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31329). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Plains Savings and Loan Association's TellerScore?
55 out of 100 (Moderate), 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 Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #31329 in the FDIC failed bank list.
How many branches does West Plains Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West Plains
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Community First Banking CompanyBank West Plains, MO | 75 out of 100, Strong | $307.3M | 10.3% | 0.00% | vs |
| Century Bank of the OzarksBank Gainesville, MO | 74 out of 100, Strong | $305.3M | 8.8% | 0.19% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| South Central Missouri Credit UnionCredit union Willow Springs, MO | 71 out of 100, Strong | $9.2M | 15.8% | 1.66% | vs |
| Bank of SalemBank Salem, AR | 71 out of 100, Strong | $261.5M | 12.4% | 1.79% | vs |