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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.67% | 0.56% | 0.49% | -0.03% | -74 bps | |
| Return on Equity | 7.04% | 6.54% | 5.32% | 4.27% | -0.27% | -731 bps | |
| Net Interest Margin | 2.91% | 2.87% | 2.89% | 2.80% | 2.77% | -13 bps | |
| Efficiency Ratio | 72.25% | 76.78% | 79.76% | 88.61% | 105.16% | +3,290 bps | |
| Non-Interest Burden | 1.78% | 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 / Loans | 3.60% | 3.38% | 3.53% | 3.59% | 1.04% | -256 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.29% | 0.99% | 0.99% | 0.78% | 0.77% | -52 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.3x | 0.2x | 0.7x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.35% | 14.03% | 14.19% | 14.86% | 14.53% | +19 bps | |
| Total Risk-Based Capital | 37.61% | 38.73% | 41.04% | 41.04% | 40.60% | +299 bps | |
| Equity / Assets | 10.15% | 10.85% | 11.56% | 11.36% | 10.94% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.56% | 31.52% | 32.06% | 31.32% | 29.44% | -412 bps | |
| Liquid Assets / Assets | 0.22% | 0.22% | 0.24% | 0.24% | 0.24% | +2 bps | |
| CRE / Total Capital | n/a | 2.28% | 2.27% | 3.27% | n/a | n/a | |