🏦Bank Scorer

WARREN-BOYNTON STATE BANK

NEW BERLIN, IL · Supervised by FDIC

Est. 1877FDIC #11,674RSSD: FDIC-11674
Part ofWB BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.54%

Institution Profile

FDIC BankFind

Address

702 W Illinois St, NEW BERLIN, IL

County

Sangamon County

Established

August 29, 1877

Total Assets

$238M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$238M

Total Deposits

$204M

Net Loans

$171M

Net Income

$900K

ROA

1.54%

ROE

13.80%

Risk-Based Capital

18.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.74%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$217M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411598.26%1.74%
202312494.35%3.23%
202233898.82%0.89%
202119597.95%1.03%
202026699.62%0.00%
201915697.44%1.92%
201811192.79%2.70%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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