BanksWILLIAMSVILLE STATE BANK AND TRUST

WILLIAMSVILLE STATE BANK AND TRUST

WILLIAMSVILLE, ILMicroEst. Jan. 1, 1890, midnightFDIC #12388RSSD #365848FDIC
Latest · 2025-12-31

WILLIAMSVILLE STATE BANK AND TRUST is an 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%. CET1 capital ratio: 40.27%, well above regulatory minimums. NPL ratio: 3.25% · Texas Ratio: 7.73%. Operates 3 domestic branches.

Assets
$93M
Deposits
$81M
Loans
$26M
Equity
$11M

Profitability

Return on Assets (ROA)0.21%
Return on Equity (ROE)1.91%
Net Interest Margin3.09%
Yield on Assets3.91%
Cost of Funds0.86%

Asset Quality

NPL Ratio3.25%
Net Charge-Off Ratio0.00%
Texas Ratio7.73%
NPA Ratio0.92%
ACL / Loans0.99%

Capital & Liquidity

CET1 Ratio40.27%
Tier 1 Capital40.27%
Total Capital Ratio41.04%
Leverage Ratio14.19%
Loan-to-Deposit32.06%

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