BlastPoint's Banking Scorecard

Williamsville State Bank & Trust

under $100M Specialty: Other IL FDIC cert 12388

Designations: ✓ Community bank

Williamsville, IL

3 branches across IL

541 banks in the under $100M peer group nationally 61 in IL

Williamsville State Bank & Trust faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 2.25% above tier average
- ROA 0.35% below tier average
- Net Interest Margin 0.90% below tier average
- Efficiency Ratio 0.26% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$92.2M -2.3% YoY -0.6% QoQ	+$30.0M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 10.0% in tier
Total Loans ?	$25.2M -13.5% YoY -2.4% QoQ	-$9.0M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$81.2M -3.6% YoY -0.4% QoQ	+$29.4M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 7.4% in tier
Return on Assets ?	0.49% -12.8% QoQ	-0.35%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	2.96% -5.9% YoY -5.1% QoQ	-0.90%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	88.61% -11.4% YoY +11.1% QoQ	+0.26%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	3.62% +108.5% YoY +1.4% QoQ	+2.25%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 10.0% in tier
Loan-to-Deposit Ratio ?	31.08% -10.2% YoY -2.1% QoQ	-33.14%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 9.8% in tier
Non-Interest-Bearing Deposit Share ?	29.46% +0.7% YoY +3.7% QoQ	+5.75%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.99% +84.7% YoY -0.5% QoQ	+0.20%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	40.45% +11.3% YoY +0.4% QoQ	+13.76%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 9.8% in tier
Non-Interest Income / Assets ?	0.03% +14.6% YoY -95.5% QoQ	-0.64%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Total Deposits

size

Value: $81.18M

Peer Median: $51.74M

#41 of 541 Top 7.4% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 31.08%

Peer Median: 64.22%

#54 of 541 Top 9.8% in under $100M

Tier 1 Capital Ratio

capital

Value: 40.45%

Peer Median: 26.68%

#54 of 541 Top 9.8% in under $100M

Total Assets

size

Value: $92.20M

Peer Median: $62.16M

#55 of 541 Top 10.0% in under $100M

Top Weaknesses (5 metrics)

470

Delinquency Rate

credit_quality

Value: 3.62%

Peer Median: 1.37%

#470 of 521 Bottom 10.0% in under $100M

454

Net Interest Margin

profitability

Value: 2.96%

Peer Median: 3.86%

#454 of 541 Bottom 16.3% in under $100M

422

Efficiency Ratio

profitability

Value: 88.61%

Peer Median: 88.34%

#422 of 541 Bottom 22.2% in under $100M

418

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#418 of 541 Bottom 22.9% in under $100M

413

Nonperforming Asset Ratio

credit_quality

Value: 0.99%

Peer Median: 0.79%

#413 of 541 Bottom 23.8% in under $100M