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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.17% | 1.24% | 1.42% | 1.59% | 0.94% | 1.64% | 1.73% | +31 bps | |
| Return on Equity | 12.59% | 10.69% | 11.65% | 13.06% | 14.28% | 8.40% | 14.54% | 14.28% | +122 bps | |
| Net Interest Margin | 3.26% | 3.23% | 3.28% | 3.46% | 3.60% | 3.65% | 3.58% | 3.67% | +21 bps | |
| Efficiency Ratio | 42.11% | 54.71% | 51.24% | 48.72% | 46.55% | 66.50% | 45.59% | 47.00% | -172 bps | |
| Non-Interest Burden | 1.19% | 1.63% | 1.52% | 1.46% | 1.49% | 2.30% | 1.40% | 1.51% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.50% | 9.01% | 8.18% | 12.48% | 10.66% | 7.16% | 4.04% | -1.82% | -1,430 bps | |
| Loan Growth (YoY) | 10.62% | 6.75% | 11.38% | 12.58% | 12.83% | 15.00% | 8.67% | 5.05% | -754 bps | |
| Deposit Growth (YoY) | 4.46% | 9.12% | 7.82% | 12.53% | 10.63% | 6.29% | 3.19% | -3.60% | -1,612 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.10% | 0.06% | 0.10% | 0.10% | 0.13% | 0.13% | +6 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.05% | 0.01% | 0.00% | 0.05% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.27% | 1.26% | 1.21% | 1.21% | 1.23% | 1.20% | 1.23% | 1.24% | +3 bps | |
| Allowance Coverage of NPLs | 26.4x | 29.4x | 11.9x | 19.5x | 11.9x | 11.6x | 9.3x | 9.9x | -9.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.60% | 12.22% | 11.88% | 11.97% | 12.21% | 12.15% | 12.28% | 12.57% | +60 bps | |
| Total Risk-Based Capital | 12.60% | 12.22% | 11.88% | 11.97% | 12.21% | 12.15% | 12.28% | 12.57% | +60 bps | |
| Equity / Assets | 11.61% | 10.26% | 10.94% | 10.82% | 11.52% | 10.93% | 11.72% | 12.46% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.34% | 66.25% | 71.42% | 71.50% | 73.78% | 71.67% | 75.21% | 77.91% | +641 bps | |
| Liquid Assets / Assets | 5.70% | 1.74% | 7.38% | 9.00% | 6.37% | 7.12% | 6.71% | 3.32% | -568 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 272% | 262% | 252% | n/a | n/a | |