West Plains Bank and Trust Company offers a range of financial services including checking, savings, money market accounts, CDs, IRAs, consumer loans, and home mortgage loans. They also provide online banking, wealth management through a partnership with Central Trust Company, and community-focused initiatives like the Community Debit Card Program. Their target audience is local individuals and businesses. The unique selling proposition is their commitment to personalized service and community involvement, making them a trusted local financial partner. They emphasize security and convenience through their mobile banking app and online safety resources.