B
Williamsville State Bank and Trust
Rating Date
October 2025
Risk Based
Capital Ratio
38.73
Leverage
Ratio
14.03
Return On
Assets
0.68%
Total
Assets
97.88M
Capital
10.62M
Total
Deposits
86.77M
Net
Income
480.00K
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Weiss Ratings Williamsville State Bank and Trust
Williamsville, IL 		Click to
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Rating B
Asset Quality Index 8.00
Capitalization Index 10.00
Liquidity Index 5.80
Profitability Index 3.50
Stability Index 5.80
Company Info Williamsville State Bank and Trust
Williamsville, IL 		Click to
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FDIC Number 12388
Phone Number (217) 698-9728
Website www.wsbt.net
Asset Quality Williamsville State Bank and Trust
Williamsville, IL 		Click to
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1-Year Asset Growth -0.69%
5-Year Asset Growth -0.41%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.85%
Non-Performing Loans to Capital 6.70%
Non-Performing Loans to Loans 3.03%
Balance Sheet Williamsville State Bank and Trust
Williamsville, IL 		Click to
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Total Assets 97.88M
Total Deposits 86.77M
Capital and Reserves Williamsville State Bank and Trust
Williamsville, IL 		Click to
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Capital 10.62M
Leverage Ratio 14.03
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio 38.73
Liquidity Williamsville State Bank and Trust
Williamsville, IL 		Click to
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Hot Money Ratio 7.93%
Liquidity Ratio 63.25%
Profitability Williamsville State Bank and Trust
Williamsville, IL 		Click to
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5-Year Return on Average Assets 0.27%
Net Income 480.00K
Net Interest Spread 3.01%
Operating Profit to Average Assets 0.81%
Overhead Efficiency Ratio 76.78%
Return on Assets 0.68%
Return on Equity 6.55%