Warren Bank and Trust Company
Also written as WB&T
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Data as of · sourced from FFIEC call reports. How we update
Warren Bank and Trust Company is an FDIC-insured commercial bank headquartered in Warren, AR, established in 1901 (FDIC certificate 81), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $146.3M, down 4.1% from Q2 2025, the 70th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 81
- Headquarters
- Warren, AR
- Established
- 1901
- Total assets, Q2 2026
- $146.3M
- Assets vs Q2 2025
- -4.1%
- Tier 1 leverage ratio, Q2 2026
- 16.24%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 082901606
- Latest call report
- Q2 2026, FFIEC 051 · Warren Bank and Trust Company Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 70th of 78 in Arkansas
Warren Bank and Trust Company carries far more capital than most banks of its size. The Warren, Arkansas bank had $146 million in assets at June 30, 2026, down 4.1% from a year earlier. It funds 16.24% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 42% of its capital, about a third the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $428,000, 156% above the same quarter a year earlier. Its $9.4 million commercial and industrial book is improving, with 1.43% past due or on nonaccrual, down from 2.36% a year earlier. Profitability lags: it returns 7.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Warren Bank and Trust Company reported a return on assets of 1.17%, a nonperforming-loan ratio of 1.52% and a Texas ratio of 7.73%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Warren Bank and Trust Company is the 70th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $146.3M, loans rose 5.6% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.6% of total loans, ahead of farmland and other real estate loans at 25.8%. The FDIC Summary of Deposits lists 4 offices for it, in Warren, AR and Hermitage, AR; its Warren 3 offices book 96% of its branch deposits. By the capital ratios in its Q2 2026 call report, Warren Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Main St, Warren, AR 71671
- County
- Bradley
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 31, 1901
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $120.3M
- Allowance for credit losses
- $911K
- Net charge-offs (YTD)
- $32K
- Average total assets
- $146.8M
- Average total loans
- $90.9M
- Average interest-bearing deposits
- $97.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 81
- Fed RSSD
- 748441
- Website
- www.warrenbanktrust.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Warren Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Warren Bank and Trust Company's total assets ran between $141.0M (Q4 2025) and $156.3M (Q1 2025), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$146.3M total assets against $152.6M; $123.7M total liabilities against $132.3M.
$92.5M net loans and leases against $85.6M; $120.3M total deposits against $113.4M.
$29.0M securities against $56.2M; $20.6M cash and balances due against $7.6M.
$1.9M total interest income against $1.8M; $567K total interest expense against $784K.
$1.3M net interest income against $1.0M.
$99K total noninterest income against $88K; $966K total noninterest expense against $927K.
$0 provision for credit losses against $0.
$428K net income against $167K.
1.17% return on assets against 0.42%; 3.66% net interest margin against 2.63%.
16.24% tier 1 leverage ratio against 14.43%.
Inside the full Warren Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWarren Bank and Trust Company rankings
Its closest position to the top of a national ranking is 865 of 3,640, for Texas Ratio; its furthest is 3,322 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.07% (Q3 2024) to 1.17% (Q2 2026) and its net interest margin ran from 2.17% (Q3 2024) to 3.76% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.24% | 1.17% | 1.52% | 7.73% | 3.66% |
| Q1 2026 | 16.22% | 0.82% | 1.85% | 7.92% | 3.30% |
| Q4 2025 | 15.90% | 0.27% | 0.57% | 2.97% | 3.76% |
| Q3 2025 | 15.13% | 0.50% | 1.29% | 5.66% | 2.83% |
| Q2 2025 | 14.43% | 0.42% | 1.37% | 6.44% | 2.63% |
| Q1 2025 | 14.72% | 0.04% | 1.27% | 6.34% | 2.43% |
| Q4 2024 | 14.64% | -0.07% | 1.65% | 6.88% | 2.26% |
| Q3 2024 | 14.53% | -0.07% | 1.74% | 6.82% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Warren Bank and Trust Company (main office) | Warren , AR | 71671 | $82.3M |
| West Branch | Warren , AR | 71671 | $19.0M |
| Motor Bank Drive-In Facility Branch | Warren , AR | 71671 | $14.0M |
| Hermitage Branch | Hermitage , AR | 71647 | $5.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AR, rank 85 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Warren Bank and Trust Company
What are Warren Bank and Trust Company's total assets?
As of the Q2 2026 filing, Warren Bank and Trust Company reported total assets of $146.3 million in its FFIEC call report.
Where is Warren Bank and Trust Company headquartered?
It is headquartered in Warren, AR, United States.
When was Warren Bank and Trust Company founded?
It was established in 1901, per the FDIC institution directory.
Is Warren Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #81). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Warren Bank and Trust Company?
Warren Bank and Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Warren Bank and Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Warren Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 7.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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