# WEST PLAINS BANK
AINSWORTH, NE · FDIC certificate 5369 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $139.3M | |
| Deposits | $110.5M | |
| Loans and leases | $84.6M | |
| Total equity | $20.1M | |
| Loans / deposits | 75.46% (p54 of band) | 73.59% |
| Liquid assets / assets | 34.60% (p54 of band) | |
| Uninsured deposits / deposits | 19.49% (p49 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.95% (p73 of band) | |
| FHLB advances / assets | 1.29% | |
| Tier 1 leverage | 14.84% (p76 of band) | 11.76% |
| Unrealized securities loss / equity | -5.48% (p55 of band) | -6.57% |
| AOCI / equity | -0.69% (p37 of band) | |
| ROA (annualized) | 1.35% (p61 of band) | 1.17% |
| Net interest margin | 3.92% (p49 of band) | 3.93% |
| Efficiency ratio | 56.03% (p25 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 36% | |
| Construction % of loans | 0.69% (p20 of band) | |
| Auto loans | $1.2M (1.38% of loans; DQ 1.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | wholesale funding >15%, capital falling |  |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | wholesale funding >15% |  |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2017-12 | 1 | loans exceed deposits |  |
| 2018-03 | 1 | capital falling | loans exceed deposits |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 1 | capital falling | loans exceed deposits |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 0 |  | capital falling, charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-12 | 1 |  | deposits shrinking, assets shrinking |
| 2022-03 | 0 |  | uninsured deposits leaving |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking | capital falling |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-03 [West Plains Bank & Trust Company Undergoes Major North Branch Remodel - Ozark Radio News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOdXVKY3h0Z1NrUHhPSUVPY2ZFMjh4N3FTcXZkOWVQU0lGMWc5UUNGX0hQdXJETllGWWF4QTJyOTRadlI2TWxzaTlVSU9NYUhNX2VtN2t6WUQxdmZ4WVFwNWVMeFRBSGJfVlNTalkyOFBZQ1hHcHdXcTRZaEU4VWpkdEpXUE5zZmNseF9hanFxM0pGOGt6cWRwNjhtN1lRQm5RcEtyWnd4Q1k?oc=5) · Ozark Radio News
- 2026-08-15 [Luncheon welcomes new teachers - West Plains Daily Quill](https://news.google.com/rss/articles/CBMiigFBVV95cUxOUVJhM2VwWndHeVZZckJrUU5yaEt1VGZ5c1hYOXN1VlBIOUdQTWw3X2lMbjZWZG5veUk2X01mZEtsYTNWNVhZTGdNREF0QUhEQi1jZFlJbXd4UkFaN3lnalJSNlU5cWNla3kwYm1sTUtrM0lGZW04VE9yZFZWRERDZFhFa0VrcFJTMGc?oc=5) · West Plains Daily Quill
- 2026-08-07 [West Plains Bank and Trust Presents $20,000 Grant to Boys and Girls Club - Ozark Radio News](https://news.google.com/rss/articles/CBMirAFBVV95cUxNdTVsUHI4dDdhd1ZWM1BnbGdJRmhrbjNQb21xOXhEd2dWNXZjSWp1TmhNY3dtM1dBSU4xVS1CenFDV2txYnl1T3gySjNqS05zTXA5NkJQOEJKaDhnczZycWlyLXphdEhoX2Z4Qm5XM0N4eUxfTi0tU3RlQmZwU1FKUElPdGlSUmhiQ285Q3hUX0hMMTBVUWlWZC1PQ3I3ZXFxay14Y1hfSEhUTXls?oc=5) · Ozark Radio News
- 2025-10-07 [West Plains Bank and Trust Company Donates $40,000 to Christos House Project - Howell County News |](https://news.google.com/rss/articles/CBMiswFBVV95cUxQZGI2MVNlTWZ1cXRHMjFadDZ6TjBWcUV0dmFxcWRlc2hhOFFIZ1M0bU5MQ1NNWnZBMUVuekdYY3NJUElwLWJxQzBnaGtGMzZMeWh6a3BEX0tZUjA0YzZXaktRRWkxejZpdUsycHZoTnlWX3dhc1RCdkVWbHdZSTY4Q0FKcl8yOTBudzF5QjYxYUJPeVVnazBIN3hRcFc3QXhzTXpCMTQ5aGRpWUN4WER1VTRsNA?oc=5) · Howell County News |
- 2024-11-13 [Best Banks to Work For 2024 with less than $3B of assets - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPYjVyd28wMVBJWUdiREk2VFVnSjJQajhjc1liZjlLT0Z0eXdjak5SLTFHbEU1eWNQZ1NOek11M0RWd2tXVkJQRDJzWWdYNEFqZWZCcEM1eEozX1hFWUxYdXB6bk1SNU1mWGtTSEZXazU1amkzY3ZNTHYxSFdoWkFmX0U3eGtkWVRiQ1FrYTdXendhNl92TlE?oc=5) · American Banker
- 2025-09-17 [WP Bank named Blue Jean Ball Saloon Sponsor - West Plains Daily Quill](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUkVqUDZRS1VVdnFsX1pWT0hoZW5iXzNJdDlReTZyS1VBbXBxd1lNUHNDLTRWaGhhRE85dnRLc3NDb2U0Ym5ESWdzeUVPaXVIYTA3VGNZMm5WSk5kelJKY0drRDRZSDV2UDNkOGdKOV9td1dtWlBrZDBreU1wSm9XRUVXbG1sT0lldG4xb2pYbXJ4d3BJTjhlTEVvMA?oc=5) · West Plains Daily Quill
- 2026-07-21 [Swim for Free Tomorrow with West Plains Bank and Trust - Ozark Radio News](https://news.google.com/rss/articles/CBMimwFBVV95cUxOclhzTnlmQXIzSFIzbkRpU01adEluRXJkQzRzanZuNjNqY2QxV0dDbWlENDU4T2x1UjhEY0JXaXpDZTJVZlQ2bHpfcS1UeVRMb1NsY014UE1ZR0wtWU92dkxIblFGV09mc3NBRmF1NDRVYkdFUmhJUzI0bDlPYmRDVTlwel8wT0dLMThpUFZPcEZyRTNweEdFWjVvcw?oc=5) · Ozark Radio News
- 2025-06-17 [West Plains Bank and Trust Company Announces This Year's Free Pool Day Date in Willow Springs and West Plains! - Ozark Radio News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOaUFtb2ZTZmlONGpfbG5JLVlpZ0Z1aVBwZ1ZEdHN0QUFmcEZyMEtPaXFSWGQtQ3RWazNiRnJJYkJkZnNCOVh2NkJ1eE0xaUU5dkJNY1VWQTVEckVsMm9mN0pwWk5HQy13aE41X3F3RnRoYmR4VzZnWFJPY0NUVzU1dW5SRDFHbjVxR25XeWh4WjMzcDB1LW02QmVIcXE0NXcwNnZFM09PTThkU2JtaXNucGthVFlHb2JnMkszbC1ja1pyVW85VjgzeHBWeTVIR29Gd1pfV2x0cXZpRExLaWlB?oc=5) · Ozark Radio News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5369 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "5369", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide