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WB

Warren Bank and Trust Company

Warren, ArkansasFDIC Cert #81

STATEEstablished 19014 branches

Holding company: Not reportedRegulator: FED

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Warren Bank and Trust Company reported $144M in total assets. Deposits grew 5.49% over the prior year.

Return on assets was 0.83%, compared with the official FFIEC UBPR peer median of 1.26%. The leverage ratio was 16.22%.

  • Why is Tier 1 Leverage Ratio above its official FFIEC UBPR peers?
  • Why is Total Assets below its official FFIEC UBPR peers?
  • Why is Noncurrent Loan Ratio above its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$144M
−7.6%y/y
Percentile by value27th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICASSET
Deposits
$119M
+5.5%y/y
Percentile by value23rd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICDEP
Net loans
$87.5M
+5.1%y/y
Percentile by value31st percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
ROA
0.83%
+79 bpsy/y
Peer standing24th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC + ROA
Efficiency
76.57%
−1,304 bpsy/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONIX + NIM + NONII + EEFFR
Leverage
16.22%
+150 bpsy/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICRBC1AAJ

Percentiles compare this bank with 1,099 ffiec ubpr peer group 6 — insured commercial banks having assets between $100 million and $300 million.

Side-by-side comparison

Warren Bank and Trust Company beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

0.83%

Registry median

1.26%
ROE

This bank

5.43%

FFIEC trimmed average

12.19%
NIM

This bank

3.39%

Registry median

3.95%
Loans YoY

This bank

+5.09%

FFIEC trimmed average

+5.94%
Leverage

This bank

16.22%

FFIEC trimmed average

11.53%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$141M$114M
Q3 2021$161M$135M
Q4 2021$159M$134M
Q1 2022$157M$134M
Q2 2022$154M$133M
Q3 2022$143M$125M
Q4 2022$140M$119M
Q1 2023$144M$120M
Q2 2023$143M$117M
Q3 2023$152M$111M
Q4 2023$156M$112M
Q1 2024$151M$116M
Q2 2024$152M$115M
Q3 2024$152M$119M
Q4 2024$150M$117M
Q1 2025$156M$113M
Q2 2025$153M$113M
Q3 2025$145M$116M
Q4 2025$141M$116M
Q1 2026$144M$119M

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$9.12M
Investor CRE$4.17M
Multifamily$270K
Construction$5.61M
1–4 family$30.6M
C&I$9.66M
Agriculture$21.2M
Other$7.83M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
24th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.51%Median 1.26%90th 2.16%Observations 1,099
ROE
FDICNETINC + ROE
11th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 4.92%Median 11.93%90th 20.75%Observations 1,099
NIM
FDICNIM + NIMY
23rd percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 3.01%Median 3.95%90th 4.94%Observations 1,099
Efficiency
FDICNONIX + NIM + NONII + EEFFR
18th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 46.29%Median 62.76%90th 82.51%Observations 1,099
Deposits YoY
FDICDEP
59th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.81%Median +3.80%90th +14.76%Observations 1,099
Loans YoY
FDICLNLSNET
48th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −3.93%Median +5.37%90th +18.00%Observations 1,097
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
84th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.38%90th 2.47%Observations 1,097
Leverage
FDICRBC1AAJ
91st percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.85%Median 11.00%90th 15.77%Observations 1,099

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
46th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.42%Median 2.24%90th 3.26%Observations 1,099
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 19%Median 99%90th 243%Observations 514

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
4 branches
Headquarters
Warren, AR
FDICOFFDOMOpen the Arkansas dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data