Williamsville, IL · Cert 12388 · WSB Financial Ltd.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
77
Asset Quality
65
Profitability
11
Liquidity
0
Efficiency
7
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.
Williamsville, IL · Cert 12388 · WSB Financial Ltd.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 0.8% share · #18 of 26 inst. · $0.1B of $9.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.50% | 0.03% | 0.71% | 0.67% | 0.56% | 0.49% | -0.03% | -74 bps | |
| Return on Equity | 6.02% | 5.22% | 0.26% | 7.04% | 6.54% | 5.32% | 4.27% | -0.27% | -731 bps | |
| Net Interest Margin | 3.12% | 3.11% | 2.96% | 2.91% | 2.87% | 2.89% | 2.80% | 2.77% | -13 bps | |
| Efficiency Ratio | 78.20% | 80.92% | 100.00% | 72.25% | 76.78% | 79.76% | 88.61% | 105.16% | +3,290 bps | |
| Non-Interest Burden | 2.40% | 2.47% | 2.95% | 1.78% | 2.02% | 2.17% | 2.46% | 2.93% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.51% | -6.17% | -4.58% | -1.57% | -0.69% | 0.51% | -2.29% | -2.79% | -122 bps | |
| Loan Growth (YoY) | -9.01% | -11.24% | -10.14% | -8.78% | -12.16% | -12.35% | -13.40% | -15.56% | -678 bps | |
| Deposit Growth (YoY) | -6.59% | -6.66% | -6.08% | -2.59% | -1.13% | -1.56% | -3.65% | -3.74% | -115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 1.12% | 1.72% | 3.60% | 3.38% | 3.53% | 3.59% | 1.04% | -256 bps | |
| Net Charge-Offs / Loans | -0.20% | -0.14% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.74% | 0.75% | 0.72% | 1.29% | 0.99% | 0.99% | 0.78% | 0.77% | -52 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.7x | 0.4x | 0.4x | 0.3x | 0.3x | 0.2x | 0.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.76% | 13.92% | 14.29% | 14.35% | 14.03% | 14.19% | 14.86% | 14.53% | +19 bps | |
| Total Risk-Based Capital | 36.20% | 37.16% | 36.91% | 37.61% | 38.73% | 41.04% | 41.04% | 40.60% | +299 bps | |
| Equity / Assets | 10.62% | 9.84% | 10.26% | 10.15% | 10.85% | 11.56% | 11.36% | 10.94% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.47% | 36.00% | 34.85% | 33.56% | 31.52% | 32.06% | 31.32% | 29.44% | -412 bps | |
| Liquid Assets / Assets | 0.20% | 0.22% | 0.22% | 0.22% | 0.22% | 0.24% | 0.24% | 0.24% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 2.28% | 2.27% | 3.27% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.03% | 0.60% | 1.01% | 1.45% | Beats 8% | 577 / 629 | n/a | |
| Return on Equity | -0.27% | 5.38% | 9.30% | 13.28% | Beats 8% | 578 / 629 | n/a | |
| Net Interest Margin | 2.77% | 3.03% | 3.54% | 4.05% | Beats 16% | 530 / 629 | n/a | |
| Efficiency Ratio | 105.16% | 58.35% | 67.79% | 79.08% | Beats 7% | 588 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.09% | 0.46% | 1.20% | Beats 29% | 412 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 40.04% | 11.24% | 13.84% | 18.77% | Beats 89% | 68 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 40.60% | 11.58% | 14.43% | 19.66% | Beats 89% | 68 / 629 | n/a | |
| Equity / Assets | 10.94% | 9.09% | 10.65% | 13.80% | Beats 53% | 293 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.44% | 67.24% | 80.90% | 93.48% | 4th pctl | 572 / 594 | n/a | |
| Loans / Assets | 26.06% | 53.31% | 67.71% | 78.15% | 10th pctl | 567 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||