West Plains Bank and Trust

West Plains Bank and Trust is headquartered in West Plains and is the 74^th largest bank in the state of Missouri. It is also the 2,178^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 63 employees at 5 locations. West Plains Bank and Trust has a 5-star health rating.

West Plains Bank and Trust Savings Account Rates

West Plains Bank and Trust Money Market Rates

Data for Q1 2012

Institution Statistics West Plains Bank and Trust Company FDIC Certificate # 15489 BankRate Report View Year Established 1883 Employees 63 Primary Regulator FDIC Assets and Liabilities Assets $300.59 million Loans $174.40 million Deposits $240.21 million Equity Capital $28.51 million Loan Loss Allowance $2.92 million Unbacked Noncurrent Loans $619,000 Real Estate Owned $242,000 Historic Data - March 2011 Assets $279.21 million Equity Capital $25.37 million Loan Loss Allowance $2.54 million Unbacked Noncurrent Loans $592,000 Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 1.59% Return on Equity 17.01% Interest Income $3.01 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 West Plains Bank and Trust had $861,000 in non-current loans and owned real-estate with $31.43 million in equity and loan loss allowances on hand to cover it. This gives West Plains Bank and Trust a Texas Ratio of 2.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for West Plains Bank and Trust held steady from 2.12% as of March 31, 2011 to 2.74% as of March 31, 2012, resulting in a negative change of 29.15%. This indicates that the balance sheet and financial strength for West Plains Bank and Trust has held steady in recent periods. Deposit Growth In the past year, West Plains Bank and Trust has increased its total deposits by $16.76 million, resulting in 7.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth West Plains Bank and Trust has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. West Plains Bank and Trust has $300.59 million in assets with $31.43 million in equity, resulting in a capitalization level of 10.46%, which is above average.

No reviews have been left for this bank yet. Be the first to review.