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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Warren, AR · FDIC certificate #81
WARREN BANK&TRUST CO is an FDIC-insured institution based in Warren, AR (FDIC certificate #81). In its Q3 2026 Call Report it reported total assets of $146M, total deposits of $120M and net loans of $93M. Its primary federal regulator is FED.
Plain-language readout
WARREN BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $146M in Q2 2026 and were lowest at $144M in Q1 2026.
Total deposits were highest at $120M in Q2 2026 and lowest at $119M in Q1 2026.
Over the whole period total assets rose 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $146M | $120M | $93M | 0.93% | 6.04% | 3.73% |
| Q2 2026 | $146M | $120M | $92M | 1.01% | 6.56% | 3.58% |
| Q1 2026 | $144M | $119M | $88M | 0.83% | 5.43% | 3.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.5M | $4.1M | +$3.4M | +83.0% |
| Federal funds sold | $13.2M | $9.1M | +$4.1M | +44.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $29.0M | $40.0M | -$10.9M | -27.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $92.5M | $87.5M | +$5.0M | +5.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $835K | $743K | +$92K | +12.4% |
| Other real estate owned | $401K | $179K | +$222K | +124.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.9M | $2.7M | +$184K | +6.7% |
| Total assets | $146.3M | $144.3M | +$2.0M | +1.4% |
| Liabilities | ||||
| Total deposits | $120.3M | $119.0M | +$1.4M | +1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.7M | $2.9M | -$121K | -4.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $642K | $523K | +$119K | +22.8% |
| Total liabilities | $123.7M | $122.4M | +$1.4M | +1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $2.4M | $2.4M | $0K | 0.0% |
| Retained earnings | $21.4M | $21.0M | +$434K | +2.1% |
| Accumulated other comprehensive income | -$1.2M | -$1.4M | +$196K | +13.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $22.6M | $22.0M | +$630K | +2.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.8M | $1.8M | $0K | 0.0% |
| Adjusted nonperforming assets | $1.8M | $1.8M | $0K | 0.0% |
| Tangible equity plus allowance | $23.5M | $22.9M | +$578K | +2.5% |
| Texas ratio (gross) | 7.73% | 7.92% | -0.19 pts | See points |
| Texas ratio (adjusted) | 7.73% | 7.92% | -0.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 16.24% | 16.22% | +0.02 pts | See points |
| Construction and land loans to total capital | 23.74% | 23.01% | +0.73 pts | See points |
| Commercial real estate to total capital | 42.02% | 41.20% | +0.82 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.18% | -6.11% | +0.93 pts | See points |
| Liquidity | ||||
| Core deposits | $99.3M | $99.0M | +$300K | +0.3% |
| Non-core funding | $23.8M | $22.8M | +$950K | +4.2% |
| Loans to core deposits | 94.03% | 89.34% | +4.68 pts | See points |
| Loans to deposits | 77.61% | 74.37% | +3.24 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 72.80% | 52.70% | +20.09 pts | See points |
| Loans pledged, share of loans | 42.81% | 41.01% | +1.80 pts | See points |
| Volatile liabilities | $23.8M | $22.8M | +$950K | +4.2% |
| Earnings | ||||
| Earnings before provision, year to date | $719K | $291K | +$428K | +147.1% |
| Earnings before provision, single quarter | $428K | $291K | +$137K | +47.1% |
| Provision for credit losses, year to date | -$5K | -$5K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.11% | 6.79% | +0.32 pts | See points |
| Yield on interest-bearing balances due from banks | 2.23% | 0.56% | +1.67 pts | See points |
| Total interest income to average assets | 5.07% | 4.76% | +0.31 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.15% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.20% | 0.25% | -0.04 pts | See points |
| Cost of time deposits | 3.57% | 3.66% | -0.09 pts | See points |
| Total interest expense to average assets | 1.54% | 1.56% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $146M | $120M | $93M | 0.93% | 6.04% | 3.73% |
| 2026-06-30 | $146M | $120M | $92M | 1.01% | 6.56% | 3.58% |
| 2026-03-31 | $144M | $119M | $88M | 0.83% | 5.43% | 3.39% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AR | $113.4M | 0.11% | 85 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.