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Williamsville State Bank and Trust

Williamsville, IL · Cert 12388 · WSB Financial Ltd.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

77

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Williamsville State Bank and Trust

Williamsville, IL · Cert 12388 · WSB Financial Ltd.

State charter, non-member · FDIC · 3 branches

Q2 2026

$93.8MAssets
$24.4MLoans
$83.0MDeposits
$10.3MEquity
Loan mix
77%RE $19.5M8%C&I $2.1M15%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $60.7M27%Noninterest $22.3MQ2 2025Q2 2026

NIM

3.80%Q2 ’243.64%Q2 ’253.52%Q2 ’26-7%-5%

Non-interest income vs. expense

2.60%Q2 ’242.93%Q2 ’253.10%Q2 ’26-26%+64%

Market Position · Springfield, IL · 2026 SOD (annual) · 0.8% share · #18 of 26 inst. · $0.1B of $9.8B

Executive Summary

  • Earnings: ROA of -0.03%, down 74 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 1.04% of loans (-256 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.53%, up 19 bps from a year ago.
  • Funding: loans stand at 29.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.03%-74 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-13 bps YoY

Efficiency Ratio (YTD, annualized)

105.16%+3,290 bps YoY

Tier 1 Leverage Ratio

14.53%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.67%0.56%0.49%-0.03%-74 bps
Return on Equity7.04%6.54%5.32%4.27%-0.27%-731 bps
Net Interest Margin2.91%2.87%2.89%2.80%2.77%-13 bps
Efficiency Ratio72.25%76.78%79.76%88.61%105.16%+3,290 bps
Non-Interest Burden1.78%2.02%2.17%2.46%2.93%+115 bps
Growth
Asset Growth (YoY)-1.57%-0.69%0.51%-2.29%-2.79%-122 bps
Loan Growth (YoY)-8.78%-12.16%-12.35%-13.40%-15.56%-678 bps
Deposit Growth (YoY)-2.59%-1.13%-1.56%-3.65%-3.74%-115 bps
Asset Quality
Nonperforming Loans / Loans3.60%3.38%3.53%3.59%1.04%-256 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.29%0.99%0.99%0.78%0.77%-52 bps
Allowance Coverage of NPLs0.4x0.3x0.3x0.2x0.7x+0.4x
Capital
Tier 1 Leverage Ratio14.35%14.03%14.19%14.86%14.53%+19 bps
Total Risk-Based Capital37.61%38.73%41.04%41.04%40.60%+299 bps
Equity / Assets10.15%10.85%11.56%11.36%10.94%+79 bps
Liquidity & Funding
Loans / Deposits33.56%31.52%32.06%31.32%29.44%-412 bps
Liquid Assets / Assets0.22%0.22%0.24%0.24%0.24%+2 bps
CRE / Total Capitaln/a2.28%2.27%3.27%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Williamsville State Bank and Trust

Williamsville, IL · Cert 12388 · Peer group: banks under $1B in assets (n=581-629) · WSB Financial Ltd.

State charter, non-member · FDIC · 3 branches

Q2 2026

$93.8MAssets
$24.4MLoans
$83.0MDeposits
$10.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets (rank 588 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.03%

Rank 577 of 629

Net Interest Margin

2.77%

Rank 530 of 629

Efficiency Ratio

105.16%

Rank 588 of 629

Equity / Assets

10.94%

Rank 293 of 629

Non-interest income vs. expense

$0.2M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 7% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.03%0.60%1.01%1.45%Beats 8%577 / 629
Return on Equity-0.27%5.38%9.30%13.28%Beats 8%578 / 629
Net Interest Margin2.77%3.03%3.54%4.05%Beats 16%530 / 629
Efficiency Ratio105.16%58.35%67.79%79.08%Beats 7%588 / 629
Asset Quality
Nonperforming Loans / Loans1.04%0.09%0.46%1.20%Beats 29%412 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio40.04%11.24%13.84%18.77%Beats 89%68 / 629
Total Risk-Based Capital Ratio40.60%11.58%14.43%19.66%Beats 89%68 / 629
Equity / Assets10.94%9.09%10.65%13.80%Beats 53%293 / 629
Liquidity & Funding
Loans / Deposits29.44%67.24%80.90%93.48%4th pctl572 / 594
Loans / Assets26.06%53.31%67.71%78.15%10th pctl567 / 629
Brokered Deposits / Depositsn/aNot reported for this institution