Williamsville State Bank and Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 1.88 percentage points in Q2 2026, from 31.32% to 29.44%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Williamsville State Bank and Trust is 4th from the bottom among 323 Illinois banks, 29.44% (Q2 2026). Williamsville State Bank and Trust's loan-to-deposit ratio of 29.44% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 38.18 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.4M |
| Net loans and leases | $24.3M |
| Loans held for sale | $0 |
| Loans to total assets | 26.06% |
| Loan-to-deposit ratio | 29.44% |
| Net loans to equity capital | 2.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.32% |
| Consumer | 15.41% |
| Credit cards | 0.00% |
| Farm | 3.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.36% |
| Construction concentration (Tier 1 capital + allowance) | 0.36% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.02% |
| Interest income on loans | $313K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $34.2M | $94.0M | 0.81% | 14.64% | 11.33% |
| Q4 2023 | $33.6M | $88.7M | 1.03% | 13.91% | 12.04% |
| Q1 2024 | $32.7M | $89.7M | 1.01% | 14.57% | 12.56% |
| Q2 2024 | $31.7M | $88.5M | 1.00% | 12.65% | 12.79% |
| Q3 2024 | $31.1M | $87.8M | 0.98% | 10.08% | 14.26% |
| Q4 2024 | $29.8M | $82.8M | 0.95% | 10.31% | 13.18% |
| Q1 2025 | $29.4M | $84.3M | 0.91% | 10.09% | 13.23% |
| Q2 2025 | $28.9M | $86.2M | 0.91% | 9.94% | 14.21% |
| Q3 2025 | $27.3M | $86.8M | 0.94% | 9.47% | 15.07% |
| Q4 2025 | $26.1M | $81.5M | 0.97% | 8.39% | 14.17% |
| Q1 2026 | $25.4M | $81.2M | 1.55% | 8.16% | 14.92% |
| Q2 2026 | $24.4M | $83.0M | 0.29% | 9.32% | 15.41% |
Williamsville State Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamsville State Bank and Trust, freeSource: Call Report Schedule RC-C, 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)