West Plains Bank and Trust Company
West Plains, MO
IDRSSD: 317258
Total Assets
$719.37M
Latest filing
Total Deposits
$660.04M
Latest filing
Net Interest Margin
3.92%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081502530WEST PLAINS, MO
Key People
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Locations
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Main Office
West Plains Bank and Trust Company
11 Court Sq
West Plains, MO 65775
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/13/1883FDIC Certificate 9792
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Plains Bank and Trust Company (Main) | 11 Court Sq | West Plains, MO |
| DRIVE-IN BRANCH | 318 W Broadway St | West Plains, MO |
| PORTER WAGONER BRANCH | 1601 Porter Wagoner Blvd | West Plains, MO |
| MOUNTAIN VIEW BRANCH | 607 N Elm St | Mountain View, MO |
| BRADFORD BRANCH | 301 N Kentucky Ave | West Plains, MO |
| WILLOW SPRINGS BRANCH | 708 E Main St | Willow Springs, MO |
| HOUSTON BRANCH | 1473 S Sam Houston Blvd | Houston, MO |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/13/1883 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 65775 |
| State and County Number | 29091 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | West Plains, MO |
Operational Info
| Number of Employees | 102 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/01/1937 |
| Primary Insurance Agency | DIF |
| Website | www.westplainsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15489 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $719.37M |
| Total Deposits | $660.04M |
| Total Liabilities | $665.92M |
| Total Equity Capital | $53.46M |
| Net Income | $3.06M |
| Net Loans and Leases | $492.54M |
| Assets Per Employee ($Millions) | $7.05M |
| Bank Premises and Fixed Assets | $12.19M |
| Cash and Balances due from Depository Institutions | $54.16M |
| Deposits Held in Domestic Offices | $660.04M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 23.67% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 58.12% |
| Tier 1 Risk-Based Capital Ratio | 11.442% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.431% |
| Earning Assets to total Assets | 94.23% |
Income and Expense
| Total Interest Income | $9.82M |
| Total Noninterest Income | $1.37M |
| Total Interest Expense | $3.29M |
| Total Noninterest Expense | $4.59M |
| Net Interest Income | $6.53M |
| Pre-tax Net Operating Income | $3.05M |
| Provision for Credit Losses | $257.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $183.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $904.00k |
| All Other Liabilities | $4.98M |
| Total Liabilities and Capital | $719.37M |
Securities
| Securities | $138.29M |
| Available-for-sale debt securities | $138.15M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Plains Bank and Trust Company?
$719.37M as of the latest filing.
How much are West Plains Bank and Trust Company's total deposits?
$660.04M in total deposits.
Where is West Plains Bank and Trust Company located?
West Plains, MO.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
7.
When was it established?
04/13/1883.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$492.54M (latest filing).
What is the total interest income (latest filing)?
$9.82M.