WARREN BANK AND TRUST COMPANY

WARREN, AR | Small | Est. Dec. 31, 1901, midnight | FDIC #81 | RSSD #748441 | FED
Latest Report: 2025-12-31

WARREN BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in WARREN, AR, established in Dec. 31, 1901, midnight. As of 2025-12-31, the bank reported total assets of $141M and total deposits of $116M. Profitability stands at 0.26% ROA and 1.72% ROE, with a net interest margin of 4.03%. The bank's CET1 capital ratio is 15.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 2.97%. FDIC Certificate #81.

Assets

$141M

Deposits

$116M

Loans

$86M

Equity

$22M

Profitability

Return on Assets (ROA) 0.26%
Return on Equity (ROE) 1.72%
Net Interest Margin (NIM) 4.03%
Yield on Assets 5.82%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.09%
Texas Ratio 2.97%
NPA Ratio 0.47%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 15.32%
Tier 1 Capital 15.32%
Total Capital Ratio 16.09%
Leverage Ratio 15.90%
Loan-to-Deposit 74.03%

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