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West Plains Savings And Loan Association
West Plains, MO · FDIC Certificate #31329 · Chartered 01/0
Total assets
$100.50M
Total deposits
$77.30M
Total equity
$20.98M
Net loans
$74.75M
Branches (offices)
1
Net income (YTD)
$291.00K
Rank: #3,674 of 4,213 U.S. banks by assets · #174 of 190 in Missouri. Assets changed 1.5% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.58% |
| Return on equity | 2.79% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 20.88% |
| Tier 1 leverage ratio | 21.11% |
| Uninsured deposits (share of deposits) | 5.2% |
| Noncurrent loans (share of loans) | 4.53% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 96.7% |
| Real estate loans (share of loans) | 96.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $72.03M | 96.4% | |
| Commercial & industrial | $751.00K | 1.0% | |
| Consumer / individual | $856.00K | 1.1% | |
| Construction & development | $6.11M | 8.2% | |
| Agricultural | $1.53M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $92.77M | $72.23M | $366.00K | $19.59M |
| Jun 2023 | $92.46M | $67.37M | $172.00K | $20.19M |
| Jun 2024 | $94.07M | $68.92M | $79.00K | $20.31M |
| Jun 2025 | $98.98M | $73.70M | $180.00K | $20.47M |
| Jun 2026 | $100.50M | $77.30M | $291.00K | $20.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $77.30M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $77.30M.
Similar-sized banks
Dedicated Community Bank ($100.61M) · First State Bank ($100.25M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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