# WARREN-BOYNTON STATE BANK
NEW BERLIN, IL · FDIC certificate 11674 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $234.5M | |
| Deposits | $201.4M | |
| Loans and leases | $169.6M | |
| Total equity | $26.5M | |
| Loans / deposits | 83.40% (p68 of band) | 73.59% |
| Liquid assets / assets | 25.37% (p33 of band) | |
| Uninsured deposits / deposits | 18.83% (p47 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.35% (p61 of band) | |
| FHLB advances / assets | 2.35% | |
| Tier 1 leverage | 12.08% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -10.29% (p39 of band) | -6.57% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 1.52% (p68 of band) | 1.17% |
| Net interest margin | 4.01% (p54 of band) | 3.93% |
| Efficiency ratio | 62.67% (p42 of band) | |
| Noncurrent loans | 0.41% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 247.69% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 15.81% (p47 of band) | |
| Auto loans | $1.9M (1.10% of loans; DQ 0.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.1% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, charge-offs p90 |  |
| 2022-06 | 0 |  | capital falling, charge-offs p90 |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 2 | loans exceed deposits, wholesale funding >15% | AOCI drag >20% of equity |
| 2023-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-21 [Quinton Wadkins joins Warren-Boynton - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNMmRuMkNDRUZlOC1UMkJDeXVqdmdCTmJkdTBGSjNvZGhrQUZWN09hNl9UUlNFWDNha2pYT3pGZlBGdWxHaUptR0ZDR0Fqa1NKTnQySmhhVnBZRVdkeGFsZHlDcmhqLS1VX3YySDVkZnBUNEFtMF9uX1RfNTZTajZqZjNzZ245ZkNDdVlwSUtLYTZEUUhDa1NnMWZJa0dVbS1IVGVPbXVsNzY2ZkE?oc=5) · springfieldbusinessjournal.com
- 2023-09-07 [Craig Tobias joins Warren-Boynton State Bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQ3ptaHlhOFkwNkdSQS1UMElHRUtpQWFMd05TSVVKWUpCdmlNZm0wYjRSVTZDTVkzZnlGOW5KTm9RdTZGeUJmbGtaVlZuVVBaZjlGTm5ZQ0RIQmpheEF6b3hBdlNObElZSHJZbWZrbkVVUkJ3bjFmS0hmbWVSZ2N3NVJ0S0FFdEVGYjg5dUF1SmJDd0JuYWxPU3FKQk00bkFKTFZvS1kzemg?oc=5) · springfieldbusinessjournal.com
- 2013-11-08 [Arrest made in bank robbery - The State Journal-Register](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNLWlaNnZtamlzQ1JPT3FZeThWVThPRm1qYlF5czA3ZTl3Z2pybTduQlU1S2kyT3VLSUlqOC1IVXNKNHlPUlVneFMwM01HTTJXWDZTaXNoSjJEU0ZLS1lyOXlnNU9rQnJUVkp3WlNjWS1OMTc1b2UxWFBqLXVQU0xWWHhta2ZqbDNzWmlB?oc=5) · The State Journal-Register
- 2023-09-17 [Damien Crews Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQT3F2djBBWVc4NXR3bmw2RWtQQnNhZjVPWHZLTmdsU2YzZEVmMEZ4cDZsUS1FaFhMd3d5LUVBUE8wbUtmdE9MZGV3NTRsWVFmN0tteDVlR3NTdHJZRlAxN3I3T3pLT3R4bm1CaGc4MGRaMW94UlFMRkh6UXdOOEgwVmVmUXBnZw?oc=5) · Dignity Memorial
- 2020-03-13 [Property transactions - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMihwFBVV95cUxNNmZ6eGtNZE9yQTNIMHVHeVBYSWhpNDVWTm1GZE1lTnZydUs2WFZhcEhIeTFaYkVCZEFmVjI2UExQVWt4U0dqWmJ2bFBJRmlvNWFHUnJqUVo1UlhwMjRoWGROZlp2bVVfQ0YyTG1LSXJ0WGgxMEZ4MFJtVXBDdFZmRVVXUVE5TWM?oc=5) · Jacksonville Journal-Courier
- 2021-10-16 [Damien CREWS Obituary (1978 - 2014) - New Berlin, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNUXFYVjg2RDg3YlhWZUdxNEc1ckdUNDZpNDkwMlRDWmh2bzJHSlV1bGtuckxVa1RWcU10azJsYXdtREVZX185T3VfR3JYYzBJMk4yY0pUYUdwakJHcmdwNnBBOW1MQ2tubmN5MXdsb3p4emFtMWlkUFdLRHlLZjNoTXh0dklGUQ?oc=5) · legacy.com
- 2017-09-30 ['Upscale' St. George leases quickly - The State Journal-Register](https://news.google.com/rss/articles/CBMijAFBVV95cUxNNC10MXhpVXo0MXhrSVQyMERiZE5tR0U1N3pLMzBxeHNoOFA3WHluYnI0TlMxY3UyM2dDMGJGeFExMWpZSE9oUTdPZ3JXNDFkU2hUa2NxNE5rU29HaGk4MllWekxsS3dtRktxTDg0eDV5azJWUEVwZDhDemdMUXdTeVVOS2dZZkd3V2NvQQ?oc=5) · The State Journal-Register
- 2016-02-23 [Ruth Vincent Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQclVEbFpibzRuQkdkYjNOUGwxNTR4a1pkVHZvSXNsRDU4UEFXMThrVzR1aEZqMy1ZRy1WelNPdk9raWtLR2JEZmhFZ0p4MkVkZXVLWHlTRUhXZG5IdE95Yi1TX0tlTkhmSWJuR3h4MnM1T3RJMXZVRVNybWVXUEdwakdpNWw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11674 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "11674", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide