West Plains Bank: how it compares with its peers
Against 57 NE banks with half to twice its assets, West Plains Bank's strongest measure in Q2 2026 is assets per employee ($9.3M vs. a $8.6M peer median). Its weakest relative measure is return on assets (1.35% vs. 1.40%).
| Measure | West Plains Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.40% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.80% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.03% | 57.47% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $8.6M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.46% | 83.59% | Context |
What it means for lending operations
Its efficiency ratio of 56.03% is better than the 57.47% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Central Bank Cambridge, NE · $138M
- Hershey Bank Hershey, NE · $141M
- Bank of Dixon County Ponca, NE · $142M
- F&M Bank Falls City, NE · $135M
- American Interstate Bank Elkhorn, NE · $132M
- State Bank of Table Rock Table Rock, NE · $150M
Questions about West Plains Bank
How big is West Plains Bank?
West Plains Bank, established in 1913, is headquartered in Ainsworth, NE. It reported $139M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is West Plains Bank's return on assets?
1.35% annualized in Q2 2026, against a 1.40% median for 57 NE banks with half to twice its assets, ahead of 47% of them.
What is West Plains Bank's efficiency ratio?
56.03% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 57.47%, and lower is better.
Is West Plains Bank growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 7.3%.
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 NE 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 Nebraska bank ranked.