IL lenders / Community Bank
Williamsville State Bank & Trust
Community Bank · Williamsville, IL · Wsb Financial Ltd
- Total assets
- $92.2M
- CRE loan book
- $444,000
- QoQ CRE growth
- 45.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 4.55% as of Q1 2026 — TX bank median 4.87% (0.32pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 4.55% | 5.09% |
| Q4 2025 | 4.78% | 5.00% |
| Q3 2025 | 4.43% | 4.99% |
| Q2 2025 | 4.28% | 4.87% |
| Q1 2025 | 4.22% | 4.80% |
| Q4 2024 | 3.19% | 4.61% |
| Q3 2024 | 3.61% | 4.76% |
| Q2 2024 | 3.91% | 4.50% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $444,000 | $50,000 | $0 | 0% | $173,000 |
| Q4 2025 | $306,000 | $52,000 | $0 | 0% | $173,000 |
| Q3 2025 | $308,000 | $50,000 | $0 | 0% | $173,000 |
| Q2 2025 | $312,000 | $50,000 | $0 | 0% | $173,000 |
| Q1 2025 | $556,000 | $290,000 | $0 | 2% | $0 |
| Q4 2024 | $638,000 | $355,000 | $0 | 3% | $0 |
| Q3 2024 | $1.0M | $707,000 | $0 | 5% | $0 |
| Q2 2024 | $950,000 | $633,000 | $0 | 5% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Citizens National Bank of HammondCommunity Bank · Hammond · $453,000 CRE book
- Sibley State BankCommunity Bank · Sibley · $435,000 CRE book
- Odin State BankCommunity Bank · Odin · $435,000 CRE book
- The Bank of SteinauerCommunity Bank · Steinauer · $509,000 CRE book
- First State Bank of St. PeterCommunity Bank · Saint Peter · $347,000 CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.