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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.26% | 0.03% | 1.38% | 0.60% | 0.21% | 0.49% | -0.55% | -193 bps | |
| Return on Equity | 5.54% | 2.58% | 0.26% | 13.51% | 5.68% | 1.91% | 4.27% | -4.90% | -1,841 bps | |
| Net Interest Margin | 3.10% | 2.95% | 2.96% | 2.91% | 2.96% | 2.85% | 2.80% | 2.77% | -13 bps | |
| Efficiency Ratio | 77.86% | 89.60% | 100.00% | 55.85% | 88.14% | 90.88% | 88.61% | 121.16% | +6,531 bps | |
| Non-Interest Burden | 2.37% | 2.62% | 2.95% | 0.65% | 2.59% | 2.57% | 2.46% | 3.41% | +276 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 | -0.59% | 0.07% | 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 | |