Williamsville State Bank & Trust (FDIC certificate #12388) is based in Williamsville, Illinois. Its Q2 2026 call report shows $93.8M in total assets and $83.0M in deposits and 1 office.
Based on its Q2 2026 filing, Williamsville State Bank & Trust scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 135th. Its strongest component is funding & liquidity (100/100; 29% loans-to-deposits, 13% uninsured), and its lowest is earnings (19/100; -0.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (61 → 73), mostly because the loan quality component improved by 65 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 79 |
| Q4 2024 | 75 |
| Q1 2025 | 67 |
| Q2 2025 | 61 |
| Q3 2025 | 60 |
| Q4 2025 | 59 |
| Q1 2026 | 61 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.74% |
| Q3 2024 | 13.76% |
| Q4 2024 | 13.92% |
| Q1 2025 | 14.29% |
| Q2 2025 | 14.35% |
| Q3 2025 | 14.03% |
| Q4 2025 | 14.19% |
| Q1 2026 | 14.86% |
| Q2 2026 | 14.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.71% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.72% |
| Q2 2025 | 3.60% |
| Q3 2025 | 3.38% |
| Q4 2025 | 3.53% |
| Q1 2026 | 3.59% |
| Q2 2026 | 1.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.49% |
| Q2 2026 | -0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $93.8M | 14.53% | 1.04% | -0.03% | 29.2% |
| Q1 2026 | 61 | $92.2M | 14.86% | 3.59% | 0.49% | 31.1% |
| Q4 2025 | 59 | $92.7M | 14.19% | 3.53% | 0.56% | 31.7% |
| Q3 2025 | 60 | $97.9M | 14.03% | 3.38% | 0.67% | 31.2% |
| Q2 2025 | 61 | $96.5M | 14.35% | 3.60% | 0.71% | 33.1% |
| Q1 2025 | 67 | $94.4M | 14.29% | 1.72% | 0.03% | 34.6% |
| Q4 2024 | 75 | $92.2M | 13.92% | 1.12% | 0.50% | 35.7% |
| Q3 2024 | 79 | $98.6M | 13.76% | 0.71% | 0.58% | 35.2% |
| Q2 2024 | 76 | $98.0M | 13.74% | 0.99% | 0.59% | 35.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mason City National BankBank Mason City, IL | 96 out of 100, Very strong | $91.4M | 15.3% | 0.04% | vs |
| The Old Exchange National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $91.3M | 11.1% | 0.19% | vs |
| Mutual Federal BankBank Chicago, IL | 71 out of 100, Strong | $96.5M | 16.3% | 1.09% | vs |
| Bank of Yates CityBank Yates City, IL | 42 out of 100, Below average | $89.1M | 9.7% | 4.27% | vs |
| Bank of Calhoun CountyBank Hardin, IL | 74 out of 100, Strong | $99.5M | 9.7% | 0.23% | vs |
| Bank of StronghurstBank Stronghurst, IL | 70 out of 100, Strong | $87.6M | 14.2% | 1.69% | vs |
Deposit insurance
Is my money safe at Williamsville State Bank & Trust?
Yes. Williamsville State Bank & Trust is an FDIC-insured institution (FDIC certificate #12388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.9% of deposits ($10.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.60% (benchmark: 10%).
1 location
Branches
Williamsville State Bank & Trust lists 1 office in 1 city. Most locations:
- Williamsville, IL (1)
HMDA 2025
Mortgage lending
In 2025, Williamsville State Bank & Trust reported 38 home-loan applications under HMDA (LEI 5493003K5GJU8VB60Z66): 29 originated ($3,195,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Williamsville State Bank & Trust
- Former names
- Williamsville State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12388
- RSSD ID
- 365848
- Primary regulator
- FDIC
- Holding company
- Wsb Financial Ltd
- Established
- January 1, 1890
- Headquarters
- 512 W Main St, Williamsville, IL 62693
- Website
- www.wsbt.net
- Employees
- 20
Quick answers
Williamsville State Bank & Trust: common questions
Is Williamsville State Bank & Trust FDIC insured?
Yes. Williamsville State Bank & Trust is an FDIC-insured institution (FDIC certificate #12388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Williamsville State Bank & Trust's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Williamsville State Bank & Trust ever failed?
There is no failure record for FDIC certificate #12388 in the FDIC failed bank list.
How many branches does Williamsville State Bank & Trust have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Williamsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springfield Firefighters Credit UnionCredit union Springfield, IL | 100 out of 100, Very strong | $3.4M | 16.6% | 0.00% | vs |
| Mason City National BankBank Mason City, IL | 96 out of 100, Very strong | $91.4M | 15.3% | 0.04% | vs |
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Heartland Credit UnionCredit union Springfield, IL | 89 out of 100, Very strong | $573.7M | 13.7% | 0.25% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Springfield City Employees Credit UnionCredit union Springfield, IL | 85 out of 100, Very strong | $12.8M | 17.1% | 0.33% | vs |