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

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	8-Qtr Trend
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