Is Williamsville State B&T Safe?
Williamsville State B&T has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (51/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 34.47% | 100/100 |
| Nonperforming Loan Ratio | 0.99% | 80/100 |
| Liquidity Ratio | 48.11% | 100/100 |
| Return on Assets | 0.78% | 51/100 |
| Total Assets | $0.1B | |
How does Williamsville State B&T compare?
With a Bank Health Score of 89/100, Williamsville State B&T sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Williamsville State B&T ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 34.47% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.99% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Williamsville State B&T's Bank Health Score improved by 4.0 points to 89/100. Tier 1 capital strengthened by 3.62 percentage points to 34.47%. Quarter-over-quarter, the score rose by 2.0 points.
Williamsville State B&T has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (51/100).