This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Poplar Bluff, MO
Health score
79.6
Total assets
$733.2M
Bank
West Plains, MO
Health score
81.0
Total assets
$767.9M
Answer first
First Midwest Bank of the Ozarks leads on capitalization and profitability; West Plains Bank and Trust Company leads on financial health and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
West Plains Bank and Trust Company
Higher TFS health score
Capitalization
First Midwest Bank of the Ozarks
Higher comparable capital ratio
Profitability
First Midwest Bank of the Ozarks
Higher return on assets
Lending quality
West Plains Bank and Trust Company
Lower problem-loan measure
Growth
West Plains Bank and Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | First Midwest Bank of the Ozarks | West Plains Bank and Trust Company |
|---|---|---|
| TFS health score | 79.6/100 | 81.0/100Leads |
| Total assets | $733.2M | $767.9M |
| Total deposits / shares | $646.6M | $702.5M |
| Tier 1 capital ratio | 10.85%Leads | 8.32% |
| Return on assets | 1.81%Leads | 1.73% |
| Return on equity | 17.19% | 23.69% |
First Midwest Bank of the Ozarks
11 branches
West Plains Bank and Trust Company
7 branches
Both institutions report branches in 1 state: MO.
First Midwest Bank of the Ozarks
Unavailable
West Plains Bank and Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
First Midwest Bank of the Ozarks
0 in TFS registry
West Plains Bank and Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | First Midwest Bank of the Ozarks score | First Midwest Bank of the Ozarks ROA | West Plains Bank and Trust Company score | West Plains Bank and Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.67% | — | 1.09% |
| 2024-Q4 | — | 1.66% | — | 1.17% |
| 2025-Q1 | — | 1.51% | — | 1.31% |
| 2025-Q2 | — | 1.60% | — | 1.48% |
| 2025-Q3 | — | 1.74% | — | 1.54% |
| 2025-Q4 | — | 1.75% | — | 1.58% |
| 2026-Q1 | 82.3/100 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 1.00% | 0.45%Leads |
| Net charge-offs | 0.11% | 0.02%Leads |
| Efficiency ratio | 59.38% | 57.00%Leads |
| Loan-to-deposit ratio | 96.85% | 75.37% |
| Asset growth (YoY) | 0.35% | 10.39%Leads |
| Deposit / share growth (YoY) | 0.04% | 9.20%Leads |
| Branches | 11 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.69% |
| 80.1/100 |
| 1.77% |
| 2026-Q2 | 79.6/100 | 1.81% | 81.0/100 | 1.73% |