West Plains Bank and Trust Company: how it compares with its peers
Against 62 MO banks with half to twice its assets, West Plains Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($7.6M vs. a $6.9M peer median). Its weakest relative measure is net interest margin (3.85% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.73% | 1.60% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 4.20% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.00% | 54.86% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $6.9M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.37% | 89.60% | Context |
What it means for lending operations
Its efficiency ratio of 57.00% is above the 54.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Town & Country Bank Salem, MO · $748M
- Peoples Community Bank Greenville, MO · $735M
- HomeBank Palmyra, MO · $733M
- First Midwest Bank of the Ozarks Poplar Bluff, MO · $733M
- MRV Banks Sainte Genevieve, MO · $803M
- CNB St Louis Bank Maplewood, MO · $813M
Questions about West Plains Bank and Trust Company
How big is West Plains Bank and Trust Company?
West Plains Bank and Trust Company, established in 1883, is headquartered in West Plains, MO. It reported $768M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is West Plains Bank and Trust Company's return on assets?
1.73% annualized in Q2 2026, against a 1.60% median for 62 MO banks with half to twice its assets, ahead of 58% of them.
What is West Plains Bank and Trust Company's efficiency ratio?
57.00% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 54.86%, and lower is better.
Is West Plains Bank and Trust Company growing its loans?
Net loans grew 18.3% over the year to Q2 2026, while deposits grew 9.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.