Bank · FDIC insured
Warren-Boynton State Bank
A $234.5M bank headquartered in New Berlin, IL, with 4 branches in Illinois. Best rates: CDs 1.35% and savings 0.55% APY.
Warren-Boynton State Bank Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#73 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Warren-Boynton State Bank
Established in New Berlin in 1877 and state-chartered in 1897, Warren-Boynton State Bank is a locally owned and independent community bank.
The bank acquired First State Bank in 1989, opened a Springfield branch in 2004, and acquired Bank of Modesto in 2017, adding branches in Modesto and Palmyra.
It offers loan services for farm, commercial, consumer, and real estate purposes alongside comprehensive business and consumer deposit products.
- Headquarters
- 702 W Illinois St, New Berlin, IL 62670
- FDIC certificate
- 11674 ↗
Branches
4 branches in Illinois
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Illinois
4 branches
Springfield area · 2
- Warren-Boynton State BankMain office702 W Illinois St, New Berlin, IL 62670Directions
- Springfield Branch3030 Spring Mill Dr, Springfield, IL 62704Directions
St. Louis area · 2
- Bank Of Modesto Branch201 E State St, Modesto, IL 62667Directions
- Palmyra Branch332 North Main Street, Palmyra, IL 62674Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.08% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.41% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.52% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio12.08%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.52%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Warren-Boynton State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.