Warrenton, MO · Cert 14036 · Warren County Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #58 of 111 inst. · $0.3B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.41% | 1.29% | 1.64% | 1.68% | +36 bps | |
| Return on Equity | 12.38% | 12.99% | 11.84% | 14.54% | 14.37% | +200 bps | |
| Net Interest Margin | 3.35% | 3.42% | 3.46% | 3.58% | 3.62% | +27 bps | |
| Efficiency Ratio | 49.93% | 48.76% | 53.43% | 45.59% | 46.30% | -363 bps | |
| Non-Interest Burden | 1.48% | 1.48% | 1.68% | 1.40% | 1.46% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.48% | 10.66% | 7.16% | 4.04% | -1.82% | -1,430 bps | |
| Loan Growth (YoY) | 12.58% | 12.83% | 15.00% | 8.67% | 5.05% | -754 bps | |
| Deposit Growth (YoY) | 12.53% | 10.63% | 6.29% | 3.19% | -3.60% | -1,612 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.10% | 0.10% | 0.13% | 0.13% | +6 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.03% | 0.00% | 0.01% | -2 bps | |
| Allowance / Loans | 1.21% | 1.23% | 1.20% | 1.23% | 1.24% | +3 bps | |
| Allowance Coverage of NPLs | 19.5x | 11.9x | 11.6x | 9.3x | 9.9x | -9.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.97% | 12.21% | 12.15% | 12.28% | 12.57% | +60 bps | |
| Total Risk-Based Capital | 11.97% | 12.21% | 12.15% | 12.28% | 12.57% | +60 bps | |
| Equity / Assets | 10.82% | 11.52% | 10.93% | 11.72% | 12.46% | +165 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.50% | 73.78% | 71.67% | 75.21% | 77.91% | +641 bps | |
| Liquid Assets / Assets | 9.00% | 6.37% | 7.12% | 6.71% | 3.32% | -568 bps | |
| CRE / Total Capital | n/a | 272% | 262% | 252% | n/a | n/a | |