West Plains S&La
West Plains, Missouri · FDIC Cert #31329
This is the FDIC profile for West Plains S&La, an FDIC-insured bank (Certificate #31329) with $94M in total assets and $69M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in West Plains, Missouri, the bank maintains a Tier 1 capital ratio of 21.91% (Well-Capitalized) and a nonperforming loan ratio of 3.74%. BankHealthData assigns a composite Health Grade of C (63/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
West Plains S&La (FDIC cert 31329) is a community bank — $94M in total assets, $69M in deposits, serving the West Plains, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 21.91% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.74% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 22.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.22% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. West Plains S&La carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: West Plains S&La
- Total Assets
- $94M
- Total Deposits
- $69M
- Tier 1 Capital Ratio
- 21.91%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.74%
- Liquidity Ratio
- 22.15%
- Return on Assets
- 0.22%
- Headquarters
- West Plains, Missouri
- FDIC Certificate
- #31329
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
West Plains S&La files quarterly Call Reports with the FDIC under Certificate #31329. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track West Plains S&La
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, West Plains S&La holds a Tier 1 capital ratio of 21.91%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning West Plains S&La has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
West Plains S&La shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How West Plains S&La Compares
West Plains S&La’s Health Score of 63 is 16 points below the Missouri state average of 79 across 193 FDIC-insured banks. Its 21.91% Tier 1 capital ratio is 7.9 points above the US banking industry average near 14%. The 3.74% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.22% is below the national ROA benchmark of ~1.1%. Among 1045 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, West Plains S&La is 17 points below the portfolio average of 80.
Frequently Asked Questions
West Plains S&La has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 21.91%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. West Plains S&La's Tier 1 capital ratio of 21.91% and nonperforming loan ratio of 3.74% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at West Plains S&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #31329). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
West Plains S&La holds $94M in total assets and $69M in total deposits. It is headquartered in West Plains, Missouri (FDIC Certificate #31329).
West Plains S&La's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #31329 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
West Plains S&La has a Tier 1 capital ratio of 21.91%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.74%, and the return on assets is 0.22%.
Yes. West Plains S&La is FDIC-insured (Certificate #31329). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
West Plains S&La's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.