West Plains Savings and Loan Association: how it compares with its peers
Against 65 MO banks with half to twice its assets, West Plains Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($5.9M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.07% vs. 4.01%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.58% | 1.24% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.07% | 4.01% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.78% | 62.64% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $5.9M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.70% | 73.02% | Context |
What it means for lending operations
Its efficiency ratio of 71.78% is above the 62.64% 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
- Investors Community Bank Chillicothe, MO · $98M
- Silex Banking Company Silex, MO · $98M
- United Security Bank Fulton, MO · $97M
- Bank of Billings Billings, MO · $105M
- The Citizens Bank of Edina Edina, MO · $107M
Questions about West Plains Savings and Loan Association
How big is West Plains Savings and Loan Association?
West Plains Savings and Loan Association, established in 1919, is headquartered in West Plains, MO. It reported $101M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is West Plains Savings and Loan Association's return on assets?
0.58% annualized in Q2 2026, against a 1.24% median for 65 MO banks with half to twice its assets, ahead of 11% of them.
What is West Plains Savings and Loan Association's efficiency ratio?
71.78% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 62.64%, and lower is better.
Is West Plains Savings and Loan Association growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits grew 4.9%.
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.