BlastPoint's Banking Scorecard

Warren-Boynton State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 11674

New Berlin, IL

4 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Warren-Boynton State Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.27% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio 2.36% below tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.6% in tier
- Liquidity Overhang: Bottom 42.0% in tier

Get updates when Warren-Boynton State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$237.6M -8.3% YoY +2.8% QoQ	-$148.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$170.7M -10.5% YoY +0.1% QoQ	-$85.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$203.6M -10.2% YoY +3.1% QoQ	-$124.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	1.54% +20.5% YoY +30.8% QoQ	+0.27%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	4.01% +12.6% YoY +8.8% QoQ	+0.07%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	62.93% -3.5% YoY -4.4% QoQ	-2.36%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.32% +23.9% YoY +27.3% QoQ	-0.57%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	83.81% -0.3% YoY -3.0% QoQ	+7.17%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	20.21% +17.8% YoY -4.4% QoQ	-1.81%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.23% +15.2% YoY +17.1% QoQ	-0.41%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	17.74% +6.0% YoY +0.3% QoQ	+1.91%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.08% +6.8% YoY -75.6% QoQ	-0.20%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#271 of 1308 • Bottom 20.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Overhang

risk

#311 of 739 • Bottom 42.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.74%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 83.81%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

525

Tier 1 Capital Ratio

capital

Value: 17.74%

Peer Median: 15.83%

#525 of 2664 Top 19.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available