Warren-Boynton State Bank
New Berlin, Illinois · FDIC Cert #11674
Warren-Boynton State Bank is an FDIC-insured bank (Certificate #11674) with $248M in total assets and $216M in total deposits as of the Q2 2024 Call Report. Headquartered in New Berlin, Illinois, the bank maintains a Tier 1 capital ratio of 16.07% (Well-Capitalized) and a nonperforming loan ratio of 0.41%. BankHealthData assigns a composite Health Grade of A (84/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Warren-Boynton State Bank (FDIC cert 11674) is a community bank — $248M in total assets, $216M in deposits, serving the New Berlin, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 16.07% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.41% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 19.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.15% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Warren-Boynton State Bank carries a composite BankHealth grade of A (84/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Warren-Boynton State Bank
- Total Assets
- $248M
- Total Deposits
- $216M
- Tier 1 Capital Ratio
- 16.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.41%
- Liquidity Ratio
- 19.93%
- Return on Assets
- 1.15%
- Headquarters
- New Berlin, Illinois
- FDIC Certificate
- #11674
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Warren-Boynton State Bank holds a Tier 1 capital ratio of 16.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Warren-Boynton State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Warren-Boynton State Bank shows strong financial health indicators. With $248M in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Warren-Boynton State Bank Compares
Warren-Boynton State Bank’s Health Score of 84 is 12 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 16.07% Tier 1 capital ratio is 2.1 points above the US banking industry average near 14%. The 0.41% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.15% is in line with or above the national ROA benchmark of ~1.1%. Among 1574 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Warren-Boynton State Bank is 14 points above the portfolio average of 70.
Frequently Asked Questions
Warren-Boynton State Bank has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 16.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Warren-Boynton State Bank's Tier 1 capital ratio of 16.07% and nonperforming loan ratio of 0.41% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Warren-Boynton State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11674). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Warren-Boynton State Bank holds $248M in total assets and $216M in total deposits. It is headquartered in New Berlin, Illinois (FDIC Certificate #11674).
Warren-Boynton State Bank has a Tier 1 capital ratio of 16.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.41%, and the return on assets is 1.15%.
Yes. Warren-Boynton State Bank is FDIC-insured (Certificate #11674). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Warren-Boynton State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.