WILLIAMSVILLE STATE BANK AND TRUST

WILLIAMSVILLE, IL | Micro | Est. Jan. 1, 1890, midnight | FDIC #12388 | RSSD #365848 | FDIC
Latest Report: 2025-12-31

WILLIAMSVILLE STATE BANK AND TRUST is amn micro FDIC-insured commercial bank headquartered in WILLIAMSVILLE, IL, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $93M and total deposits of $81M. Profitability stands at 0.21% ROA and 1.91% ROE, with a net interest margin of 3.09%. The bank's CET1 capital ratio is 40.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.25% and a Texas Ratio of 7.73%. FDIC Certificate #12388.

Assets

$93M

Deposits

$81M

Loans

$26M

Equity

$11M

Profitability

Return on Assets (ROA) 0.21%
Return on Equity (ROE) 1.91%
Net Interest Margin (NIM) 3.09%
Yield on Assets 3.91%
Cost of Funds 1.24%

Asset Quality

NPL Ratio 3.25%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.73%
NPA Ratio 0.92%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 40.27%
Tier 1 Capital 40.27%
Total Capital Ratio 41.04%
Leverage Ratio 14.19%
Loan-to-Deposit 32.06%

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