Williamsville State B&T
Williamsville, Illinois · FDIC Cert #12388
Williamsville State B&T is an FDIC-insured bank (Certificate #12388) with $98M in total assets and $89M in total deposits as of the Q2 2024 Call Report. Headquartered in Williamsville, Illinois, the bank maintains a Tier 1 capital ratio of 34.47% (Well-Capitalized) and a nonperforming loan ratio of 0.99%. BankHealthData assigns a composite Health Grade of A (89/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Williamsville State B&T (FDIC cert 12388) is a community bank — $98M in total assets, $89M in deposits, serving the Williamsville, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 34.47% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.99% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 48.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.78% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Williamsville State B&T carries a composite BankHealth grade of A (89/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Williamsville State B&T
- Total Assets
- $98M
- Total Deposits
- $89M
- Tier 1 Capital Ratio
- 34.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.99%
- Liquidity Ratio
- 48.11%
- Return on Assets
- 0.78%
- Headquarters
- Williamsville, Illinois
- FDIC Certificate
- #12388
- Health Grade
- A (89/100)
- Latest Call Report
- Q2 2024
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.
How Williamsville State B&T Compares
Williamsville State B&T’s Health Score of 89 is 17 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 34.47% Tier 1 capital ratio is 20.5 points above the US banking industry average near 14%. The 0.99% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.78% is below the national ROA benchmark of ~1.1%. Among 1083 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Williamsville State B&T is 19 points above the portfolio average of 70.
Frequently Asked Questions
Williamsville State B&T has a Bank Health Score of A (89/100), placing it one of the safest banks in our analysis. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Williamsville State B&T's Tier 1 capital ratio of 34.47% and nonperforming loan ratio of 0.99% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Williamsville State B&T is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12388). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Williamsville State B&T holds $98M in total assets and $89M in total deposits. It is headquartered in Williamsville, Illinois (FDIC Certificate #12388).
Williamsville State B&T has a Tier 1 capital ratio of 34.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Williamsville State B&T's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.