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
Unfavorable gap of $2.7M · efficiency ratio beats 7% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 2.77% | 3.03% | 3.54% | 4.05% | Beats 16% | 530 / 629 | |
| Efficiency Ratio | 105.16% | 58.35% | 67.79% | 79.08% | Beats 7% | 588 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.04% | 0.09% | 0.46% | 1.20% | Beats 29% | 412 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 40.04% | 11.24% | 13.84% | 18.77% | Beats 89% | 68 / 629 | |
| Total Risk-Based Capital Ratio | 40.60% | 11.58% | 14.43% | 19.66% | Beats 89% | 68 / 629 | |
| Equity / Assets | 10.94% | 9.09% | 10.65% | 13.80% | Beats 53% | 293 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 29.44% | 67.24% | 80.90% | 93.48% | 4th pctl | 572 / 594 | |
| Loans / Assets | 26.06% | 53.31% | 67.71% | 78.15% | 10th pctl | 567 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |