Williamsville State Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Williamsville State Bank and Trust is an FDIC-insured commercial bank headquartered in Williamsville, IL, established in 1890 (FDIC certificate 12388), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $93.8M, down 2.8% from Q2 2025. Its CET1 capital ratio was 40.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12388
- Headquarters
- Williamsville, IL
- Established
- 1890
- Total assets, Q2 2026
- $93.8M
- Assets vs Q2 2025
- -2.8%
- CET1 ratio, Q2 2026
- 40.04%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071116677
- Latest call report
- Q2 2026, FFIEC 051 · Williamsville State Bank and Trust call report
Williamsville State Bank and Trust spends more to run itself than most banks of its size. Based in Williamsville, Illinois, it had $94 million in assets at June 30, 2026, down 2.8% from a year earlier. It loses about $0.55 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 120 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.04% of loans from 3.60%. It lost $127,000 in the quarter. Its margin is thin by comparison: it keeps 2.84 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Williamsville State Bank and Trust reported a CET1 capital ratio of 40.04%, a return on assets of -0.55%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 2.42%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $93.8M, loans fell 3.9% and deposits rose 2.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 71.6% of total loans, ahead of other consumer loans at 13.5%. The FDIC Summary of Deposits lists 3 offices for it, in Williamsville, IL, Sherman, IL and Springfield, IL; its Williamsville office books 42% of its branch deposits. On its Q2 2026 call report, Williamsville State Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 512 W Main St, Williamsville, IL 62693
- County
- Sangamon
- Metro Area
- Springfield, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Former names
- Williamsville State Bank & Trust (1996)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $83.0M
- Allowance for credit losses
- $189K
- Net charge-offs (YTD)
- $0
- Average total assets
- $92.1M
- Average total loans
- $24.8M
- Average interest-bearing deposits
- $58.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12388
- Fed RSSD
- 365848
- Website
- www.wsbt.net →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Williamsville State Bank and Trust's total assets moved between a low of $92.2M (Q1 2026) and a high of $102.1M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$93.8M total assets against $96.5M; $83.5M total liabilities against $86.7M.
$24.3M net loans and leases against $28.6M; $83.0M total deposits against $86.2M.
$38.9M securities against $43.4M; $26.2M cash and balances due against $19.6M.
$814K total interest income against $861K; $175K total interest expense against $180K.
$639K net interest income against $681K.
$51K total noninterest income against $515K; $836K total noninterest expense against $668K.
-$9K provision for credit losses against $164K.
-$127K net income against $329K.
-0.55% return on assets against 1.40%; 2.84% net interest margin against 3.01%.
40.04% CET1 capital ratio against 36.59%; 14.53% tier 1 leverage ratio against 14.35%.
Inside the full Williamsville State Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.55% (Q2 2026) to 1.40% (Q2 2025) and its net interest margin ran from 2.84% (Q2 2026) to 3.14% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 40.04% | -0.55% | 1.04% | 2.42% | 2.84% |
| Q1 2026 | 40.45% | 0.49% | 3.59% | 8.55% | 2.90% |
| Q4 2025 | 40.27% | 0.21% | 3.53% | 8.41% | 2.93% |
| Q3 2025 | 37.97% | 0.60% | 3.38% | 8.49% | 3.03% |
| Q2 2025 | 36.59% | 1.40% | 3.60% | 10.24% | 3.01% |
| Q1 2025 | 36.34% | 0.03% | 1.72% | 5.11% | 2.98% |
| Q4 2024 | 36.54% | 0.26% | 1.12% | 3.59% | 3.01% |
| Q3 2024 | 35.58% | 0.56% | 0.71% | 2.07% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Williamsville State Bank & Trust | Williamsville , IL | 62693 | $35.2M |
| Sherman Branch | Sherman , IL | 62684 | $24.5M |
| Old Jacksonville Road Branch | Springfield , IL | 62711 | $23.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 308 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 29 loans originated, $3.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Williamsville State Bank and Trust
What are Williamsville State Bank and Trust's total assets?
As of the Q2 2026 filing, Williamsville State Bank and Trust reported total assets of $93.8 million in its FFIEC call report.
Where is Williamsville State Bank and Trust headquartered?
It is headquartered in Williamsville, IL, United States.
When was Williamsville State Bank and Trust founded?
It was established in 1890, per the FDIC institution directory.
Is Williamsville State Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Williamsville State Bank and Trust?
Williamsville State Bank and Trust's primary federal regulator is the FDIC.
What is Williamsville State Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 40.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Williamsville State Bank and Trust operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Williamsville State Bank and Trust's Texas Ratio?
Its Texas Ratio is 2.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Williamsville State Bank and Trust previously called?
The charter now named Williamsville State Bank and Trust has also operated as Williamsville State Bank & Trust (1996), per FDIC structure-change records.
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