Warren Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 7.83 percentage points lower than in Q1 2026, at 19.85%. Warren Bank and Trust Company ranks 49th of 78 Arkansas banks on return on assets, in the lower half at 1.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Warren Bank and Trust Company sits 0.09 points lower, at 1.17% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.24% |
| Equity capital to assets | 15.45% |
| Tangible equity to tangible assets | 15.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.24% |
| Non-performing assets ratio | 1.70% |
| Net charge-off ratio | 0.23% |
| Texas ratio | 10.61% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 43.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 7.68% |
| Net interest margin | 3.66% |
| Efficiency ratio | 69.30% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.61% |
| Core deposits to total deposits | 82.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.23% |
| Securities to assets | 19.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.54% | -0.11% | 2.03% | 3.20% | 0.04% |
| Q4 2023 | 13.73% | -0.27% | 1.85% | 3.28% | 0.03% |
| Q1 2024 | 14.41% | 1.29% | 1.74% | 3.42% | -0.01% |
| Q2 2024 | 14.47% | -0.22% | 1.95% | 3.29% | -0.01% |
| Q3 2024 | 14.53% | -0.07% | 2.17% | 3.34% | 0.00% |
| Q4 2024 | 14.64% | -0.07% | 2.26% | 3.19% | 0.46% |
| Q1 2025 | 14.72% | 0.04% | 2.43% | 3.25% | 0.28% |
| Q2 2025 | 14.43% | 0.42% | 2.63% | 3.25% | 0.09% |
| Q3 2025 | 15.13% | 0.50% | 2.83% | 3.28% | 0.01% |
| Q4 2025 | 15.90% | 0.27% | 3.76% | 1.30% | 0.00% |
| Q1 2026 | 16.22% | 0.82% | 3.30% | 2.55% | -0.09% |
| Q2 2026 | 16.24% | 1.17% | 3.66% | 2.24% | 0.23% |
Warren Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Warren Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 81) · FFIEC NIC profile (RSSD 748441)