Warren Bank and Trust Company: how it compares with its peers
Against 22 AR banks with half to twice its assets, Warren Bank and Trust Company's strongest measure in Q2 2026 is return on assets (1.01% vs. a 1.24% peer median). Its weakest relative measure is net interest margin (3.58% vs. 4.32%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.24% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 4.32% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.72% | 62.65% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.2M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.86% | 85.26% | Context |
What it means for lending operations
Its efficiency ratio of 72.72% is above the 62.65% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Priority Bank Fayetteville, AR · $153M
- Riverwind Bank Augusta, AR · $168M
- Connect Bank Star City, AR · $124M
- Logan County Bank Scranton, AR · $121M
- RiverBank Pocahontas, AR · $174M
- Gateway Bank Rison, AR · $181M
Questions about Warren Bank and Trust Company
How big is Warren Bank and Trust Company?
Warren Bank and Trust Company, established in 1901, is headquartered in Warren, AR. It reported $146M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Warren Bank and Trust Company's return on assets?
1.01% annualized in Q2 2026, against a 1.24% median for 22 AR banks with half to twice its assets, ahead of 23% of them.
What is Warren Bank and Trust Company's efficiency ratio?
72.72% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 62.65%, and lower is better.
Is Warren Bank and Trust Company growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 6.2%.
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 AR 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 Arkansas bank ranked.