FDIC Cert #81 · Warren, Arkansas · Est. 1901

Warren Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at Warren Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$141M
Total assets
B
Health grade · Good
0.32%
Return on assets
15.9%
Tier 1 capital

Data updated July 2026

The verdict

Warren Bank and Trust Company earns a PlainBankData health grade of B (67/100), with well-capitalized at 15.90% Tier 1, 0.32% ROA, 86% efficiency ratio.

#3,423
largest of 4,313 FDIC banks by assets
21st
percentile by asset size, nationally
15.90%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 81 · AR B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3259/4307
  • PHOTO-FINISH The Merchants & Citi… · GA
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-CLEAN 2.2% Texas
  • ROA-THIN 0.32% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: The Merchants & Citizens Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Warren Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Hindman · KY · near67/100Root River State Bank · MN ·…67/100The Merchants & Citi… · GA ·…67/100The Peoples Bank · OH · near67/100Warren Bank and Trus… · AR ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Warren Bank and Trust Company · July 2026

What Warren Bank and Trust Company's Call Report plate shows

Warren Bank and Trust Company (FDIC Cert #81) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,259 of 4,307. Tier 1 capital prints at 15.90%, clearing the 10% well-capitalized line. The Texas Ratio is 2.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.32%. Balance-sheet scale is $141M, 3,423rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Merchants & Citizens Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Warren Bank and Trust Company

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Warren Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Warren Bank and Trust Company remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How Warren Bank and Trust Company's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Warren Bank and Trust Company's composite health score
Tier 1 Capital Ratio (15.90%) 40/40
Return on Assets (ROA) (0.32%) 7/25
Texas Ratio (2.17%) 20/20
Efficiency Ratio (86.14%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$141M

Total balance-sheet footings

Total Deposits

$116M

Customer-funded liabilities

Net Loans

$85M

Outstanding loan book

Net Income

$473K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.5% 15.9% 17.3%
Basel III capital ratios - Warren Bank and Trust Company

Where Warren Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Warren Bank and Trust Company's score of 67/100 falls in the highlighted band.

Warren Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Warren Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Warren Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Warren Bank and Trust Company's $141M falls in the highlighted band.

Safety ratios for Warren Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

15.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.90%
Texas Ratio
2.17%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: Warren Bank and Trust Company

Return on Assets (ROA)
10th percentile nationally
0.32%
Return on Equity (ROE)
2.33%
Efficiency Ratio
86.14%

What these mean →

Income & expense at Warren Bank and Trust Company

$7M
Interest Income
$384K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Warren Bank and Trust Company reports a Texas Ratio of 2.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Warren Bank and Trust Company on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($141M here), outside Arkansas so the neighborhood is not state containment.

The Miners State Bank $141M · MI Sidney State Bank $141M · MI Farmers and Merchants State Bank of S… $141M · MN National Bank of St. Anne $141M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Warren Bank and Trust Company (FDIC Cert #81) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Warren Bank and Trust Company Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%