Warren-Boynton State Bank: 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.
Reserve coverage of non-performing loans dropped 13.18 percentage points in Q2 2026, from 141.38% to 128.20%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Warren-Boynton State Bank is 99th of 323 on return on assets, 1.48% as of Q2 2026, above the middle of the field. Warren-Boynton State Bank reported 1.48% on return on assets for Q2 2026, 0.22 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.19% |
| Tier 1 risk-based capital ratio | 18.19% |
| Total risk-based capital ratio | 19.27% |
| Tier 1 leverage ratio | 12.08% |
| Equity capital to assets | 11.29% |
| Tangible equity to tangible assets | 11.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 4.82% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 128.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 13.36% |
| Net interest margin | 3.97% |
| Efficiency ratio | 60.97% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.25% |
| Core deposits to total deposits | 88.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.86% |
| Securities to assets | 21.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.12% | 18.12% | 19.12% | 11.56% | 0.89% |
| Q4 2023 | 15.59% | 15.59% | 16.64% | 10.20% | 0.69% |
| Q1 2024 | 15.91% | 15.91% | 16.94% | 10.22% | 1.06% |
| Q2 2024 | 16.07% | 16.07% | 17.06% | 10.37% | 1.20% |
| Q3 2024 | 16.19% | 16.19% | 17.16% | 10.62% | 1.22% |
| Q4 2024 | 16.23% | 16.23% | 17.27% | 10.59% | 1.66% |
| Q1 2025 | 16.73% | 16.73% | 17.76% | 10.60% | 1.25% |
| Q2 2025 | 16.86% | 16.86% | 17.88% | 10.84% | 1.24% |
| Q3 2025 | 17.99% | 17.99% | 19.04% | 11.29% | 1.33% |
| Q4 2025 | 17.68% | 17.68% | 18.75% | 11.71% | 0.77% |
| Q1 2026 | 17.74% | 17.74% | 18.80% | 11.81% | 1.50% |
| Q2 2026 | 18.19% | 18.19% | 19.27% | 12.08% | 1.48% |
Warren-Boynton State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren-Boynton State Bank, 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-Boynton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11674) · FFIEC NIC profile (RSSD 837448)