Williamsville State Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 51.40 percentage points in Q2 2026, from 23.60% to 75.00%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Williamsville State Bank and Trust is 10th from the bottom among 323 Illinois banks, -0.55% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Williamsville State Bank and Trust reported -0.55% on return on assets in Q2 2026, 1.54 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 40.04% |
| Tier 1 risk-based capital ratio | 40.04% |
| Total risk-based capital ratio | 40.60% |
| Tier 1 leverage ratio | 14.53% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.42% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 75.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.55% |
| Return on equity | -4.90% |
| Net interest margin | 2.84% |
| Efficiency ratio | 119.55% |
| Yield on earning assets | 3.63% |
| Cost of funds | 0.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.44% |
| Core deposits to total deposits | 98.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.50% |
| Securities to assets | 41.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 30.85% | 30.85% | 31.32% | 12.89% | 0.81% |
| Q4 2023 | 32.53% | 32.53% | 33.08% | 13.26% | 0.40% |
| Q1 2024 | 32.44% | 32.44% | 32.99% | 13.55% | 0.55% |
| Q2 2024 | 34.47% | 34.47% | 34.95% | 13.74% | 0.65% |
| Q3 2024 | 35.58% | 35.58% | 36.20% | 13.76% | 0.56% |
| Q4 2024 | 36.54% | 36.54% | 37.16% | 13.92% | 0.26% |
| Q1 2025 | 36.34% | 36.34% | 36.91% | 14.29% | 0.03% |
| Q2 2025 | 36.59% | 36.59% | 37.61% | 14.35% | 1.40% |
| Q3 2025 | 37.97% | 37.97% | 38.73% | 14.03% | 0.60% |
| Q4 2025 | 40.27% | 40.27% | 41.04% | 14.19% | 0.21% |
| Q1 2026 | 40.45% | 40.45% | 41.04% | 14.86% | 0.49% |
| Q2 2026 | 40.04% | 40.04% | 40.60% | 14.53% | -0.55% |
Williamsville State Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamsville State Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)