WARREN-BOYNTON STATE BANK

NEW BERLIN, IL | Small | Est. Aug. 29, 1877, midnight | FDIC #11674 | RSSD #837448 | FDIC
Latest Report: 2025-12-31

WARREN-BOYNTON STATE BANK is asn small FDIC-insured commercial bank headquartered in NEW BERLIN, IL, established in Aug. 29, 1877, midnight. As of 2025-12-31, the bank reported total assets of $231M and total deposits of $197M. Profitability stands at 0.76% ROA and 7.08% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 17.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 1.65%. FDIC Certificate #11674.

Assets

$231M

Deposits

$197M

Loans

$172M

Equity

$26M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 7.08%
Net Interest Margin (NIM) 3.94%
Yield on Assets 5.66%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.65%
NPA Ratio 0.20%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 17.68%
Tier 1 Capital 17.68%
Total Capital Ratio 18.75%
Leverage Ratio 11.71%
Loan-to-Deposit 87.24%

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