Warren Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Warren Bank and Trust Company of Warren, AR against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.17% | 1.34% | -0.17% | 43rd below |
| ROAE | 7.68% | 13.32% | -5.64% | 24th bottom |
| Net Interest Margin | 3.66% | 3.93% | -0.27% | 35th below |
| Efficiency Ratio | 69.30% | 61.14% | +8.16% | 30th below |
| PPNR / Avg Assets | 1.17% | 1.68% | -0.51% | 27th below |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 46th below |
| Net Interest Spread | 3.00% | 3.32% | -0.32% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.24% | 0.94% | +1.30% | 11th bottom |
| NPA / Total Assets | 1.70% | 0.70% | +1.00% | 10th bottom |
| NCO / Avg Loans | 0.23% | 0.16% | +0.07% | 11th bottom |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 23rd bottom |
| ACL / NPLs (Coverage) | 43.51% | 1538.90% | -1495.39% | 8th bottom |
| Texas Ratio | 10.61% | 7.33% | +3.28% | 21st bottom |
| Provision / NCO | 0.00% | 1395.79% | -1395.79% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.24% | 12.14% | +4.10% | 91st top |
| Equity / Assets | 15.45% | 11.37% | +4.08% | 90th top |
| TCE / Tangible Assets | 15.45% | 11.09% | +4.36% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.61% | 80.64% | -3.03% | 56th above |
| Core Deposit Ratio | 82.54% | 86.86% | -4.32% | 22nd bottom |
| Wholesale Funding Ratio | 1.88% | 5.03% | -3.15% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.10% | 6.85% | -10.95% | 6th bottom |
| Loan Growth (Y/Y) | 8.05% | 7.90% | +0.15% | 65th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.16% | 6.29% | -0.13% | 65th above |
See Warren Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Warren Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Warren Bank and Trust Company profile, how to read a UBPR, or how this data updates.