Total Assets
$141M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$116M
Customer-funded liabilities
Net Loans
$85M
Outstanding loan book
Net Income
$473K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.32%
Return on Equity (ROE)
2.33%
Efficiency Ratio
86.14%
What the numbers say about Warren Bank and Trust Company
Warren Bank and Trust Company is an FDIC-insured institution (Certificate #81) headquartered in Warren, Arkansas, established in 1901. It holds $141M in total assets - 3,423rd of 4,313 FDIC-insured banks, $116M in customer deposits, and $85M in net loans. Looking at capital strength, Tier 1 stands at 15.90%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.17%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Warren Bank and Trust Company ranks 70th of 78 banks based in Arkansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Arkansas by total assets
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.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Warren Bank and Trust Company's health grade?▼
Warren Bank and Trust Company receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Warren Bank and Trust Company?▼
Warren Bank and Trust Company holds $141M in total assets and $116M in deposits, ranking 3,423rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Warren, Arkansas.
Is my money safe at Warren Bank and Trust Company?▼
Yes, deposits at Warren Bank and Trust Company (Certificate #81) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Warren Bank and Trust Company's Tier 1 Capital Ratio?▼
Warren Bank and Trust Company has a Tier 1 Capital Ratio of 15.90%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Warren Bank and Trust Company?▼
Warren Bank and Trust Company has a Texas Ratio of 2.17%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Warren Bank and Trust Company?▼
Warren Bank and Trust Company has an Efficiency Ratio of 86.14%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Warren Bank and Trust Company's profile as a depositor or analyst.
- Warren Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Warren Bank and Trust Company against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.