BlastPoint's Banking Scorecard
Williamsville State Bank & Trust
Micro
Specialty: Other
IL
FDIC cert 12388
Designations: ✓ Community bank
Williamsville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Williamsville State Bank & Trust has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 42.79% below tier
- + Tier 1 Capital Ratio 31.42% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.93% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.7M
+0.5% YoY
-5.3% QoQ
|
-$124.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$25.9M
-12.6% YoY
-4.5% QoQ
|
-$113.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$81.5M
-1.6% YoY
-6.1% QoQ
|
-$102.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.56%
+11.2% YoY
-16.6% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.12%
-4.9% YoY
-0.1% QoQ
|
-0.73% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
79.76%
-1.4% YoY
+3.9% QoQ
|
+12.04% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
3.57%
+216.0% YoY
+4.6% QoQ
|
+2.93% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
31.74%
-11.2% YoY
+1.7% QoQ
|
-42.79% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.40%
-1.3% YoY
+10.4% QoQ
|
+6.01% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
1.00%
+174.9% YoY
+5.4% QoQ
|
+0.54% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
40.27%
+10.2% YoY
+6.1% QoQ
|
+31.42% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.67%
+247.1% YoY
+12.1% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
31.74%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
40.27%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.57%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Tier 1 Capital Ratio
Current: 40.27% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.74% · Tier avg: 74.53%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.40% · Tier avg: 22.39%
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
21
21th pctile
Efficiency Ratio
Current: 79.76% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
20
20th pctile
Total Assets
Current: $92.7M · Tier avg: $217.5M
20
20th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
9
9th pctile
Total Loans
Current: $25.9M · Tier avg: $139.2M
0
0th pctile
Delinquency Rate
Current: 3.57% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.57% · Tier avg: 0.64%
9
9th pctile
Total Loans
Current: $25.9M · Tier avg: $139.2M
19
19th pctile
Nonperforming Asset Ratio
Current: 1.00% · Tier avg: 0.45%
20
20th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
20
20th pctile
Total Assets
Current: $92.7M · Tier avg: $217.5M
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
21
21th pctile
Efficiency Ratio
Current: 79.76% · Tier avg: 67.73%
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.40% · Tier avg: 22.39%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
98
98th pctile
Loan-to-Deposit Ratio
Current: 31.74% · Tier avg: 74.53%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.27% · Tier avg: 8.85%