Warren-Boynton State Bank: how it compares with its peers
Against 144 IL banks with half to twice its assets, Warren-Boynton State Bank's strongest measure in Q2 2026 is return on assets (1.52% vs. a 1.15% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.5M).
| Measure | Warren-Boynton State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.15% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 3.72% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.67% | 64.72% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.5M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.40% | 74.62% | Context |
What it means for lending operations
Its efficiency ratio of 62.67% is better than the 64.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Crossroads Bank Effingham, IL · $235M
- Anna-Jonesboro National Bank Anna, IL · $234M
- First Federal Savings and Loan Association of Central Illinois, S.B. Shelbyville, IL · $235M
- West Central Bank Ashland, IL · $232M
- Farmers State Bank of Hoffman Hoffman, IL · $232M
- Eagle Valley Bank Griggsville, IL · $230M
Questions about Warren-Boynton State Bank
How big is Warren-Boynton State Bank?
Warren-Boynton State Bank, established in 1877, is headquartered in New Berlin, IL. It reported $235M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Warren-Boynton State Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.15% median for 144 IL banks with half to twice its assets, ahead of 74% of them.
What is Warren-Boynton State Bank's efficiency ratio?
62.67% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 64.72%, and lower is better.
Is Warren-Boynton State Bank growing its loans?
Net loans shrank 12.7% over the year to Q2 2026, while deposits shrank 7.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.