Warren-Boynton State Bank
BankRegReports is independent of Warren-Boynton State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Warren-Boynton State Bank is an FDIC-insured commercial bank headquartered in New Berlin, IL, established in 1877 (FDIC certificate 11674), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $234.5M, down 6.2% from Q2 2025, the 176th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 18.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11674
- Headquarters
- New Berlin, IL
- Established
- 1877
- Total assets, Q2 2026
- $234.5M
- Assets vs Q2 2025
- -6.2%
- CET1 ratio, Q2 2026
- 18.19%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071109846
- Holding company
- WB BANCORP, INC.
- Asset rank in state
- 176th of 319 in Illinois
Warren-Boynton State Bank, based in New Berlin, Illinois, reported $235 million in assets at June 30, 2026, down 6.2% from a year earlier. It shrank its loan book 12.6% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%).
Net income for the quarter rose 11% from a year earlier, to $880,000. Over the same year, loans shrank 12.6% and deposits shrank 7.1%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.41% of loans from 0.27% a year earlier.
As of June 30, 2026, Warren-Boynton State Bank reported a CET1 capital ratio of 18.19%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
Warren-Boynton State Bank ranks as the 176th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $234.5M, loans fell 1.6% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.2% of total loans, followed by commercial and industrial loans at 21.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its New Berlin office books 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, Warren-Boynton State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 702 W Illinois St, New Berlin, IL 62670
- County
- Sangamon
- Metro Area
- Springfield, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 29, 1877
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $201.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $238.2M
- Average total loans
- $172.3M
- Average interest-bearing deposits
- $161.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11674
- Fed RSSD
- 837448
- Website
- www.wbsb.com →
- Parent Holding Company
- WB BANCORP, INC. (RSSD 1207459)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Warren-Boynton State Bank's total assets ran between $231.0M (Q4 2025) and $259.2M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$234.5M total assets against $250.1M; $208.1M total liabilities against $226.1M.
$167.9M net loans and leases against $192.3M; $201.4M total deposits against $216.7M.
$51.0M securities against $46.8M; $8.5M cash and balances due against $3.8M.
$3.1M total interest income against $3.2M; $889K total interest expense against $1.0M.
$2.3M net interest income against $2.2M.
$185K total noninterest income against $189K; $1.5M total noninterest expense against $1.5M.
$25K provision for credit losses against $20K.
$880K net income against $795K.
1.48% return on assets against 1.24%; 3.97% net interest margin against 3.48%.
18.19% CET1 capital ratio against 16.86%; 12.08% tier 1 leverage ratio against 10.84%.
Inside the full Warren-Boynton State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWarren-Boynton State Bank rankings
Its closest position to the top of a national ranking is 466 of 2,134, for CET1 ratio; its furthest is 2,778 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q4 2025) to 1.66% (Q4 2024) and its net interest margin ran from 3.44% (Q1 2025) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.19% | 1.48% | 0.41% | 2.50% | 3.97% |
| Q1 2026 | 17.74% | 1.50% | 0.32% | 2.00% | 3.93% |
| Q4 2025 | 17.68% | 0.77% | 0.25% | 1.68% | 3.82% |
| Q3 2025 | 17.99% | 1.33% | 0.24% | 1.79% | 3.66% |
| Q2 2025 | 16.86% | 1.24% | 0.27% | 2.19% | 3.48% |
| Q1 2025 | 16.73% | 1.25% | 0.26% | 2.07% | 3.44% |
| Q4 2024 | 16.23% | 1.66% | 0.25% | 2.41% | 3.47% |
| Q3 2024 | 16.19% | 1.22% | 0.31% | 2.46% | 3.48% |
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-Boynton State Bank (main office) | New Berlin , IL | 62670 | $103.6M |
| Springfield Branch | Springfield , IL | 62704 | $35.8M |
| Bank of Modesto Branch | Modesto , IL | 62667 | $35.5M |
| Palmyra Branch | Palmyra , IL | 62674 | $26.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 22, 2017 | Structure Change | Acquired Bank of Modesto Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 1989 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 7, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 208 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 98 applications, 97 loans originated, $16.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $412K approved, $412K 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, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Warren-Boynton State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Warren-Boynton State Bank
What are Warren-Boynton State Bank's total assets?
As of the Q2 2026 filing, Warren-Boynton State Bank reported total assets of $234.5 million in its FFIEC call report.
Where is Warren-Boynton State Bank headquartered?
It is headquartered in New Berlin, IL, United States.
When was Warren-Boynton State Bank founded?
It was established in 1877, per the FDIC institution directory.
Is Warren-Boynton State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Warren-Boynton State Bank?
Warren-Boynton State Bank's primary federal regulator is the FDIC.
What is Warren-Boynton State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Warren-Boynton State Bank 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-Boynton State Bank's Texas Ratio?
Its Texas Ratio is 2.50% 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.
Go deeper on Warren-Boynton State Bank.
Get an email when Warren-Boynton State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Warren-Boynton State Bank, freeFree account