Williamsville State Bank and Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets fell 0.42 percentage points from Q1 2026 to Q2 2026, ending at 10.94% against 11.36%. It was the largest change among the key lines on this page. Among 198 Illinois banks, Williamsville State Bank and Trust sits 7th from the top on CET1 ratio, 40.04% as of Q2 2026. Williamsville State Bank and Trust's CET1 ratio of 40.04% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 20.47 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 40.04% |
| Tier 1 risk-based capital ratio | 40.04% |
| Total risk-based capital ratio | 40.60% |
| Tier 1 leverage ratio | 14.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $13.4M |
| Tier 1 capital | $13.4M |
| Total risk-based capital | $13.6M |
| Total equity capital | $10.3M |
| Risk-weighted assets | $33.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 11.14% |
| Internal capital growth rate | -7.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $5.4M |
| Retained earnings | $7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 30.85% | 30.85% | 31.32% | 12.89% | $42.4M |
| Q4 2023 | 32.53% | 32.53% | 33.08% | 13.26% | $40.4M |
| Q1 2024 | 32.44% | 32.44% | 32.99% | 13.55% | $40.6M |
| Q2 2024 | 34.47% | 34.47% | 34.95% | 13.74% | $38.4M |
| Q3 2024 | 35.58% | 35.58% | 36.20% | 13.76% | $37.4M |
| Q4 2024 | 36.54% | 36.54% | 37.16% | 13.92% | $36.4M |
| Q1 2025 | 36.34% | 36.34% | 36.91% | 14.29% | $36.3M |
| Q2 2025 | 36.59% | 36.59% | 37.61% | 14.35% | $36.7M |
| Q3 2025 | 37.97% | 37.97% | 38.73% | 14.03% | $35.6M |
| Q4 2025 | 40.27% | 40.27% | 41.04% | 14.19% | $33.5M |
| Q1 2026 | 40.45% | 40.45% | 41.04% | 14.86% | $33.6M |
| Q2 2026 | 40.04% | 40.04% | 40.60% | 14.53% | $33.4M |
Williamsville State Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamsville State Bank and Trust, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Williamsville State Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12388) · FFIEC NIC profile (RSSD 365848)