WILLIAMSVILLE STATE B&T
WILLIAMSVILLE, ILLINOIS · FDIC Cert #12388
Capital & Safety Analysis
According to FDIC financial data, WILLIAMSVILLE STATE B&T holds a Tier 1 capital ratio of 34.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning WILLIAMSVILLE STATE B&T has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
WILLIAMSVILLE STATE B&T shows strong financial health indicators. With $98M in assets and a Health Score of 89/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WILLIAMSVILLE STATE B&T has a Bank Health Score of A (89/100). It holds a Tier 1 capital ratio of 34.47%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WILLIAMSVILLE STATE B&T holds $98M in total assets and $89M in total deposits. It is located in WILLIAMSVILLE, ILLINOIS (FDIC Certificate #12388).
WILLIAMSVILLE STATE B&T has a Tier 1 capital ratio of 34.47%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.99%, and the return on assets is 0.78%.
Yes. WILLIAMSVILLE STATE B&T is FDIC-insured (Certificate #12388). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.