Warren-Boynton State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Warren-Boynton State Bank of New Berlin, IL 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 | 1.48% | 1.34% | +0.14% | 62nd above |
| ROAE | 13.36% | 13.31% | +0.05% | 56th above |
| Net Interest Margin | 3.97% | 3.93% | +0.04% | 52nd above |
| Efficiency Ratio | 60.97% | 61.14% | -0.17% | 51st above |
| PPNR / Avg Assets | 1.54% | 1.68% | -0.14% | 47th below |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 3.37% | 3.32% | +0.05% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 0.94% | -0.15% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.70% | -0.13% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 128.20% | 1539.02% | -1410.82% | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.82% | 7.33% | -2.51% | 42nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 208.33% | 1395.90% | -1187.57% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.19% | 19.50% | -1.31% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.19% | 19.54% | -1.35% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.27% | 20.62% | -1.35% | 70th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.08% | 12.14% | -0.06% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.29% | 11.37% | -0.08% | 63rd above |
| TCE / Tangible Assets | 11.11% | 11.09% | +0.02% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.25% | 80.64% | +3.61% | 42nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.83% | 86.86% | +1.97% | 48th below |
| Wholesale Funding Ratio | 2.35% | 5.03% | -2.68% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.24% | 6.86% | -13.10% | 4th bottom |
| Loan Growth (Y/Y) | -12.55% | 7.91% | -20.46% | 2nd bottom |
| Deposit Growth (Y/Y) | -7.09% | 6.29% | -13.38% | 4th bottom |
See Warren-Boynton State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Warren-Boynton State Bank, 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-Boynton State Bank profile, how to read a UBPR, or how this data updates.