Williamsville State Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Williamsville State Bank and Trust of Williamsville, IL against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.55% | 3.33% | -3.88% | 10th bottom |
| ROAE | -4.90% | 8.31% | -13.21% | 9th bottom |
| Net Interest Margin | 2.84% | 3.93% | -1.09% | 11th bottom |
| Efficiency Ratio | 119.55% | 84.41% | +35.14% | 8th bottom |
| PPNR / Avg Assets | -0.63% | 1.56% | -2.19% | 7th bottom |
| Yield on Earning Assets | 3.63% | 5.24% | -1.61% | 7th bottom |
| Cost of Funds | 0.86% | 1.67% | -0.81% | 85th top |
| Net Interest Spread | 2.44% | 3.30% | -0.86% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.03% | 1.42% | -0.39% | 30th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.27% | 0.71% | -0.44% | 43rd below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.77% | 1.53% | -0.76% | 13th bottom |
| ACL / NPLs (Coverage) | 75.00% | 723.19% | -648.19% | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.42% | 8.57% | -6.15% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 40.04% | 127.01% | -86.97% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 40.04% | 127.02% | -86.98% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 40.60% | 127.91% | -87.31% | 73rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.53% | 22.10% | -7.57% | 62nd above |
| Equity / Assets | 10.94% | 20.74% | -9.80% | 35th below |
| TCE / Tangible Assets | 10.94% | 20.49% | -9.55% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 29.44% | 74.34% | -44.90% | 91st top |
| Core Deposit Ratio | 98.78% | 88.29% | +10.49% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.79% | 3.83% | -6.62% | 19th bottom |
| Loan Growth (Y/Y) | -15.56% | 6.89% | -22.45% | 4th bottom |
| Deposit Growth (Y/Y) | -3.74% | 2.99% | -6.73% | 17th bottom |
See Williamsville State Bank and Trust's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Williamsville State Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Williamsville State Bank and Trust profile, how to read a UBPR, or how this data updates.