FDIC Cert #12388 · Williamsville, Illinois · Est. 1890

Williamsville State Bank & Trust - FDIC Bank Health Profile

A community-scale look at Williamsville State Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$93M
Total assets
B
Health grade · Good
0.56%
Return on assets
40.3%
Tier 1 capital

Data updated July 2026

The verdict

Williamsville State Bank & Trust earns a PlainBankData health grade of B (74/100), with well-capitalized at 40.27% Tier 1, 0.56% ROA, 80% efficiency ratio.

#3,798
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
40.27%
Tier 1 ratio - above the 10% well-capitalized line
18th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 12388 · IL B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2666/4307
  • PHOTO-FINISH Mechanics & Farmers… · NC
  • TIER1-WELL 40.3% Tier 1
  • TEXAS-CLEAN 8.4% Texas
  • ROA-THIN 0.56% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Mechanics & Farmers Bank, NC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Williamsville State Bank & Trust

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Mechanics & Farmers… · NC · …74/100Richton Bank & Trust… · MS ·…74/100The Farmers Bank of… · KY · …74/100West Point Bank · KY · near74/100Williamsville State… · IL · …74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Williamsville State Bank & Trust · July 2026

Call Report read for Williamsville State Bank & Trust in a high-failure state

Williamsville State Bank & Trust (FDIC Cert #12388) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,666 of 4,307. Tier 1 capital prints at 40.27%, clearing the 10% well-capitalized line. The Texas Ratio is 8.41%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.56%. Balance-sheet scale is $93M, 3,798th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mechanics & Farmers Bank (NC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Williamsville State Bank & Trust

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Williamsville State Bank & Trust sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Williamsville State Bank & Trust's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Williamsville State Bank & Trust's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
Williamsville State Bank & Trust's composite health score
Tier 1 Capital Ratio (40.27%) 40/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (8.41%) 16/20
Efficiency Ratio (79.76%) 4/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$93M

Total balance-sheet footings

Total Deposits

$81M

Customer-funded liabilities

Net Loans

$26M

Outstanding loan book

Net Income

$531K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 38.87% 40.27% 41.67%
Basel III capital ratios - Williamsville State Bank & Trust

Where Williamsville State Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Williamsville State Bank & Trust's score of 74/100 falls in the highlighted band.

Williamsville State Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Williamsville State Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Williamsville State Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Williamsville State Bank & Trust's $93M falls in the highlighted band.

Capital & credit buffers at Williamsville State Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

40.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
40.27%
Texas Ratio
8.41%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: Williamsville State Bank & Trust

Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
5.32%
Efficiency Ratio
79.76%

What these mean →

Income & expense at Williamsville State Bank & Trust

$3M
Interest Income
$621K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Williamsville State Bank & Trust reports a Texas Ratio of 8.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Williamsville State Bank & Trust on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($93M here), outside Illinois so the neighborhood is not state containment.

Farmers & Merchants Bank of Craig Cou… $93M · VA Integrity Bank $93M · KS Rockland Savings Bank, FSB $93M · ME Silex Banking Company $92M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Williamsville State Bank & Trust (FDIC Cert #12388) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Williamsville State Bank & Trust Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%