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Warren-Boynton State Bank
New Berlin, IL · FDIC Certificate #11674 · Chartered 08/2
Total assets
$234.52M
Total deposits
$201.36M
Total equity
$26.47M
Net loans
$167.93M
Branches (offices)
4
Net income (YTD)
$1.78M
Rank: #2,789 of 4,213 U.S. banks by assets · #178 of 322 in Illinois. Assets changed -6.2% and deposits -7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 13.58% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 11.29% |
| Tier 1 leverage ratio | 12.08% |
| Uninsured deposits (share of deposits) | 18.8% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 83.4% |
| Real estate loans (share of loans) | 71.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $120.66M | 71.8% | |
| Commercial & industrial | $35.78M | 21.3% | |
| Consumer / individual | $3.47M | 2.1% | |
| Construction & development | $4.18M | 2.5% | |
| Agricultural | $9.58M | 5.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $201.41M | $173.63M | $1.01M | $23.88M |
| Jun 2023 | $251.07M | $212.26M | $1.15M | $25.02M |
| Jun 2024 | $248.12M | $216.20M | $1.42M | $22.10M |
| Jun 2025 | $250.12M | $216.74M | $1.60M | $24.05M |
| Jun 2026 | $234.52M | $201.36M | $1.78M | $26.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $201.36M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $201.36M.
Similar-sized banks
Crossroads Bank ($234.74M) · Anna-Jonesboro National Bank ($234.19M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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