🏦Bank Scorer

WILLIAMSVILLE STATE BANK & TRUST

WILLIAMSVILLE, IL · Supervised by FDIC

Est. 1890FDIC #12,388RSSD: FDIC-12388
Part ofWSB FINANCIAL LTD→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.49%

Institution Profile

FDIC BankFind

Address

512 W Main St, WILLIAMSVILLE, IL

County

Sangamon County

Established

January 1, 1890

Total Assets

$92M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$92M

Total Deposits

$81M

Net Loans

$25M

Net Income

$113K

ROA

0.49%

ROE

4.27%

Risk-Based Capital

41.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.04%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$86M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244985.71%2.04%
20235877.59%12.07%
20226886.76%4.41%
20218994.38%0.00%
20195381.13%5.66%
20185585.45%5.45%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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