Bank call report · Williamsville, IL
Williamsville State Bank and Trust Call Report
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Williamsville State Bank and Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 281 reported line items, schedule by schedule (771 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 365848 |
| FDIC certificate number | 12388 |
| Total assets | $93.8M |
Official Q2 2026 call report PDF (FFIEC) →
Williamsville State Bank and Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Williamsville State Bank and Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $93.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $93.8M |
| Total Liabilities and Minority Interest | RCON2948 | $83.5M |
| Total Deposits | RCON2200 | $83.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $60.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $38.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $24.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $24.3M |
| Federal Funds Sold | RCONB987 | $24.2M |
| Deposits: Noninterest-bearing | RCON6631 | $22.3M |
| Total Equity Capital | RCON3210 | $10.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $10.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $7.6M |
| Surplus | RCON3839 | $5.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.1M |
| Other Assets | RCON2160 | $2.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.2M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $999K |
| Other Liabilities, Total | RCON2930 | $530K |
| Common Stock | RCON3230 | $400K |
| Interest-bearing Balances | RCON0071 | $225K |
| Allowance for Loan and Lease Losses | RCON3123 | $189K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $3K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Williamsville State Bank and Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.6M |
| Total Noninterest Expense | RIAD4093 | $1.4M |
| Net Interest Income | RIAD4074 | $1.3M |
| Other Noninterest Expense | RIAD4092 | $664K |
| Interest and Fee Income on Loans, Total | RIAD4010 | $641K |
| Salaries and Employee Benefits | RIAD4135 | $624K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $405K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $358K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $345K |
| Total Interest Expense | RIAD4073 | $343K |
| Interest on Other Securities | RIAD4060 | $251K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $191K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $149K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $139K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $128K |
| Total Noninterest Income | RIAD4079 | $79K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $71K |
| Provision for Loan and Lease Losses | RIAD4230 | -$69K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$69K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $47K |
| Other Noninterest Income | RIADB497 | $40K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $39K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $19K |
| Net Servicing Fees | RIADB492 | $17K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | -$14K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $14K |
| Net Income (Loss) | RIAD4340 | -$14K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | -$14K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $12K |
| Applicable Income Taxes | RIAD4302 | $11K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $10K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $4K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | -$3K |
| Other Interest Income | RIAD4518 | $3K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$2K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$1K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 20 |
Schedule RC-B: Securities (20 items)
About Schedule RC-B · Williamsville State Bank and Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $14.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $13.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $43.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $18.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $16.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $12.9M |
| Pledged Securities | RCON0416 | $10.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $9.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $7.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $7.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $6.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $5.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $351K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $125K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $48K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · Williamsville State Bank and Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $24.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $15.9M |
| Pledged Loans and Leases | RCONG378 | $11.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $6.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $5.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $2.4M |
| Commercial and Industrial Loans | RCON1766 | $2.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $1.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $1.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $1.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $770K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $555K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $460K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $419K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $358K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $165K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $144K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $105K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $72K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $49K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $13K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $8K |
| Other Loans | RCONJ464 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $902K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $781K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $596K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $444K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $253K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $73K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $72K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $13K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 24 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 8 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Williamsville State Bank and Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $48.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $43.1M |
| Total Transaction Accounts | RCON2215 | $34.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $28.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $22.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $19.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $14.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $10.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $8.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $6.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $6.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $5.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $5.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $3.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $1.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $1.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $910K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $714K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $528K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $300K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $1.5M |
| Other Assets | RCON2168 | $356K |
| Accrued Interest Receivable | RCONB556 | $289K |
| Prepaid Expenses | RCON2166 | $286K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $160K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $356K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $102K |
| All Other Liabilities | RCON2938 | $70K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $2K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Williamsville State Bank and Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $92.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $33.9M |
| Quarterly Average of Total Loans | RCON3360 | $24.8M |
| Mortgage-backed Securities | RCONB559 | $24.2M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $19.3M |
| All Other Securities | RCONB560 | $18.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $17.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $13.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $9.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $2.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $1.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $911K |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $223K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (2 items)
About Schedule RC-L · Williamsville State Bank and Trust derivatives and off-balance-sheet items trends
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Williamsville State Bank and Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $181K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Williamsville State Bank and Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $252K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $234K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $84K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $53K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $31K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $8K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $6K |
| Additions to Nonaccrual Assets | RCONC410 | $4K |
| All Other Loans - Nonaccrual | RCON5461 | $4K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $1K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Williamsville State Bank and Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $92.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $83.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $61.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $19.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $13.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,549 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 144 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 34 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Williamsville State Bank and Trust regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $33.4M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Williamsville State Bank and Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $92.1M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $92.1M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $33.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $13.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $13.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $13.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $13.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $10.3M |
| Retained Earnings | RCOAKW00 | $7.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $5.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $189K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $189K |
| Tier 2 Capital Before Deductions | RCOAP870 | $189K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $6K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $6K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.406 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.4004 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.4004 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.326 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1453 |
Schedule RC-R, Part II: Risk-Weighted Assets (49 items)
About Schedule RC-R, Part II · Williamsville State Bank and Trust risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $64.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $64.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $39.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $38.9M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $33.4M |
| Total Risk-weighted Assets | RCONG641 | $33.4M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $24.2M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $24.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $18.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $18.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $17.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $17.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $13.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $11.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $11.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $11.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $9.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $6.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $6.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$4.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4.6M |
| Total All Other Assets | RCOND981 | $4.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $4.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $4.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $4.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $3.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $2.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $1.4M |
| Unconditionally Cancellable Commitments | RCONS540 | $1.3M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $811K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $566K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $353K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $234K |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $126K |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $63K |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $63K |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $63K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $19K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $19K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $9K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $7K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $7K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $6K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $5K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $5K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $5K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $3K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $2K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $2K |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $10K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $10.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $10.7M |
| Total Equity Capital | RIAD3210 | $10.3M |
| Other Comprehensive Income | RIADB511 | -$289K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $123K |
| Restatements Due to Corrections of Material Accounting Errors and Changes in Accounting Principles | RIADB507 | -$31K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Williamsville State Bank and Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $258K |
| Allowance for Loan and Lease Losses | RIAD3123 | $189K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Statement Due to Corrections of Material Accounting Errors and Changes in Accounting Principles from Prior Years | RIADB526 | -$31K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $14.5M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $14.5M |
Williamsville State Bank and Trust call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Williamsville State Bank and Trust call report?
The Williamsville State Bank and Trust call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Williamsville State Bank and Trust file?
Williamsville State Bank and Trust files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Williamsville State Bank and Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Williamsville State Bank and Trust has Federal Reserve RSSD ID 365848 and FDIC certificate number 12388. Either one finds its filings on the FFIEC Central Data Repository.
How often does Williamsville State Bank and Trust file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Williamsville State Bank and Trust financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 12388) · FFIEC NIC profile (RSSD 365848)