BlastPoint's Banking Scorecard
Williamsville State Bank & Trust
Designations: ✓ Community bank
Williamsville, IL
3 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -3.7% year over year ($83.0M on the books).
- Delinquency rate 1.04%.
- Return on assets -0.03%.
- Efficiency ratio 105.16% vs a 119.40% peer average.
- Loan-to-deposit ratio 29.22% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Williamsville State Bank & Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.24% below tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Net Interest Margin 0.96% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.8M
-2.8% YoY
+1.7% QoQ
|
+$31.4M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 8.4% in tier |
| Total Loans ? |
$24.3M
-15.1% YoY
-3.9% QoQ
|
-$10.6M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$83.0M
-3.7% YoY
+2.3% QoQ
|
+$31.4M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 6.0% in tier |
| Return on Assets ? |
-0.03%
-104.2% YoY
-106.2% QoQ
|
-1.03% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.9% in tier |
| Net Interest Margin ? |
2.95%
-5.2% YoY
-0.5% QoQ
|
-0.96% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio ? |
105.16%
+45.5% YoY
+18.7% QoQ
|
-14.24% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate ? |
1.04%
-71.4% YoY
-71.2% QoQ
|
-0.44% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
29.22%
-11.8% YoY
-6.0% QoQ
|
-44.99% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.83%
+3.3% YoY
-8.9% QoQ
|
+3.34% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.27%
-75.0% YoY
-72.8% QoQ
|
-0.57% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
40.04%
+9.4% YoY
-1.0% QoQ
|
+12.91% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 11.0% in tier |
| Non-Interest Income / Assets ? |
0.08%
-85.0% YoY
+177.3% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.8%
+0.9pp YoY -2.6pp QoQ |
+2.2pp | 24.6% | 20.1% | 22.2% | 63% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.4%
-0.7pp YoY +1.2pp QoQ |
-4.0pp | 13.4% | 14.7% | 12.5% | 49% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
72.1%
+1.1pp YoY -0.5pp QoQ |
+37.1pp | 35.0% | 28.3% | 31.3% | 88% |
| Consumer |
15.5%
+1.1pp YoY +0.5pp QoQ |
+7.9pp | 7.7% | 5.4% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
40.0%
+3.4pp YoY -0.4pp QoQ |
+1.4pp | 38.7% | 19.9% | 19.7% | 80% |
| Leverage Ratio |
14.5%
+0.2pp YoY -0.3pp QoQ |
-3.2pp | 17.7% | 12.2% | 12.6% | 66% |
| Total Capital Ratio |
40.6%
+3.0pp YoY -0.4pp QoQ |
+0.9pp | 39.7% | 20.9% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-3 (-13.0%) YoY 0 QoQ |
+8 | 12 | 228 | 482 | 88% |
| Assets per Employee ($) |
$4.7M
+11.8% YoY +1.7% QoQ |
-$1.5M | $6.2M | $8.3M | $8.8M | 30% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 10 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-1.0pp YoY -0.3pp QoQ |
-1.0pp | 1.0% | 0.4% | 0.4% | 2% |
| Nonaccrual |
1.0%
-1.6pp YoY -2.3pp QoQ |
-0.7pp | 1.7% | 1.1% | 1.0% | 58% |
| Allowance Coverage |
0.75x
+107.9% YoY +244.5% QoQ |
-5.66x | 6.41x | 5.62x | 20.23x | 35% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.3%
-7.3pp YoY -4.5pp QoQ |
-6.7pp | 6.4% | 10.5% | 11.6% | 13% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.6% | 1.7% | 17% |
| Net Income ($, YTD) |
$-14000.0
-104.2% YoY — QoQ |
-$332K | $317,817 | $11.7M | $40.4M | 12% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.