Warren-Boynton State Bank is a state-chartered bank headquartered in New Berlin, Illinois, in business for about 149 years. At the end of Q2 2026 it reported $234.5M in total assets and $201.4M in deposits, with 4 offices.
Warren-Boynton State Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 74th. Problem-loan coverage contributes the most (95/100, 2.5%); capital cushion contributes the least (71/100, 12.08%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (73 → 79), mostly because the funding & liquidity component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 75 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.37% |
| Q3 2024 | 10.62% |
| Q4 2024 | 10.59% |
| Q1 2025 | 10.60% |
| Q2 2025 | 10.84% |
| Q3 2025 | 11.29% |
| Q4 2025 | 11.71% |
| Q1 2026 | 11.81% |
| Q2 2026 | 12.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.30% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $234.5M | 12.08% | 0.41% | 1.52% | 83.4% |
| Q1 2026 | 79 | $237.6M | 11.81% | 0.32% | 1.54% | 83.8% |
| Q4 2025 | 77 | $231.0M | 11.71% | 0.25% | 1.17% | 86.4% |
| Q3 2025 | 75 | $251.4M | 11.29% | 0.24% | 1.30% | 87.7% |
| Q2 2025 | 73 | $250.1M | 10.84% | 0.27% | 1.27% | 88.7% |
| Q1 2025 | 72 | $259.2M | 10.60% | 0.26% | 1.27% | 84.1% |
| Q4 2024 | 72 | $248.6M | 10.59% | 0.25% | 1.29% | 88.4% |
| Q3 2024 | 70 | $251.2M | 10.62% | 0.31% | 1.16% | 90.1% |
| Q2 2024 | 69 | $248.1M | 10.37% | 0.41% | 1.14% | 87.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
| Anna-Jonesboro National BankBank Anna, IL | 65 out of 100, Moderate | $234.2M | 14.6% | 3.00% | vs |
| First Federal Savings and Loan Association of Central Illinois, S.B.Bank Shelbyville, IL | 69 out of 100, Moderate | $235.0M | 10.7% | 0.70% | vs |
| West Central BankBank Ashland, IL | 60 out of 100, Moderate | $232.2M | 11.9% | 2.10% | vs |
| Farmers State Bank of HoffmanBank Hoffman, IL | 77 out of 100, Strong | $232.1M | 11.9% | 0.17% | vs |
| Eagle Valley BankBank Griggsville, IL | 72 out of 100, Strong | $229.6M | 10.4% | 0.60% | vs |
Deposit insurance
Is my money safe at Warren-Boynton State Bank?
Yes. Warren-Boynton State Bank is an FDIC-insured institution (FDIC certificate #11674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.8% of deposits ($37.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.27% (benchmark: 10%).
4 locations
Branches
Warren-Boynton State Bank lists 4 offices in 4 cities. Most locations:
- Modesto, IL (1)
- New Berlin, IL (1)
- Palmyra, IL (1)
- Springfield, IL (1)
Identity & history
Profile
- Legal name
- Warren-Boynton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11674
- RSSD ID
- 837448
- Primary regulator
- FDIC
- Holding company
- Wb Bcorp Inc
- Established
- August 29, 1877
- Headquarters
- 702 W Illinois St, New Berlin, IL 62670
- Website
- www.wbsb.com
- Employees
- 41
Quick answers
Warren-Boynton State Bank: common questions
Is Warren-Boynton State Bank FDIC insured?
Yes. Warren-Boynton State Bank is an FDIC-insured institution (FDIC certificate #11674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Warren-Boynton State Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Warren-Boynton State Bank ever failed?
There is no failure record for FDIC certificate #11674 in the FDIC failed bank list.
How many branches does Warren-Boynton State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New Berlin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springfield Firefighters Credit UnionCredit union Springfield, IL | 100 out of 100, Very strong | $3.4M | 16.6% | 0.00% | vs |
| Heartland Credit UnionCredit union Springfield, IL | 89 out of 100, Very strong | $573.7M | 13.7% | 0.25% | vs |
| Springfield City Employees Credit UnionCredit union Springfield, IL | 85 out of 100, Very strong | $12.8M | 17.1% | 0.33% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| The First National Bank of RaymondBank Raymond, IL | 78 out of 100, Strong | $187.1M | 10.9% | 0.42% | vs |