🏦Bank Scorer

WEST PLAINS BANK AND TRUST COMPANY

WEST PLAINS, MO · Supervised by FDIC

Est. 1883FDIC #15,489RSSD: FDIC-15489
Part ofWEST PLAINS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.77%

Institution Profile

FDIC BankFind

Address

11 Court Sq, WEST PLAINS, MO

County

Howell County

Established

April 13, 1883

Total Assets

$765M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$765M

Total Deposits

$705M

Net Loans

$507M

Net Income

$3M

ROA

1.77%

ROE

24.26%

Risk-Based Capital

12.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$643M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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