| Metric | West Plains Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 9.2% | 11.9% | -2.6 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.3M | $110.5M | $83.4M | $20.1M | $926K | 1.35% | 3.92% | 0.00% |
| Q1 2026 | $135.9M | $109.2M | $80.2M | $19.6M | $436K | 1.28% | 3.77% | 0.00% |
| Q4 2025 | $137.2M | $109.3M | $82.9M | $20.5M | $1.7M | 1.31% | 3.86% | 0.00% |
| Q3 2025 | $128.1M | $99.7M | $76.9M | $20.0M | $1.3M | 1.34% | 3.90% | 0.00% |
| Q2 2025 | $131.0M | $103.0M | $76.9M | $19.7M | $868K | 1.37% | 3.89% | 0.00% |
| Q1 2025 | $125.4M | $100.4M | $71.1M | $18.9M | $380K | 1.22% | 3.74% | 0.00% |
| Q4 2024 | $124.5M | $95.6M | $69.0M | $20.1M | $1.3M | 1.07% | 3.60% | 0.00% |
| Q3 2024 | $125.0M | $98.2M | $67.0M | $20.3M | $989K | 1.07% | 3.57% | 0.00% |
Loan mix (Q2 2026): real estate $30.5M · commercial $21.4M · consumer $1.8M · securities $36.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | West Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 62.9% | 29th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | West Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | West Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | West Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | West Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | West Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025) · $110.5M branch deposits. Biggest market: Brown, NE, ranked 1st with 49.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brown, NE | 1 | $83.4M | 49.18% | 1st |
| Keya Paha, NE | 1 | $27.1M | 100.00% | 1st |
Nebraska: 124th with 0.11% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend down 35% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).