WSB FINANCIAL LTD is the parent banking group. WILLIAMSVILLE STATE BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

WSB FINANCIAL LTD

Legal name: WSB FINANCIAL LTD.

1 active bank · $92M combined assets

RSSD ID: 1248872 (FFIEC NIC)

Combined Assets

$92M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankWILLIAMSVILLE STATE BANK & TRUSTWILLIAMSVILLE, ILSatisfactory$92MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$92M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$81M

Net Income

$113K

ROA (avg)

0.49%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

85.71%

Denial Rate

2.04%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
WILLIAMSVILLE STATE BANK & TRUST	WILLIAMSVILLE, IL	FDIC	$92M	100.0%	Satisfactory	Mar 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.