This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Windsor, CT
Health score
71.7
Total assets
$93.7M
Bank
Williamsville, IL
Health score
60.4
Total assets
$93.8M
Answer first
MassMutual Private Wealth & Trust, FSB leads on financial health and capitalization and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
MassMutual Private Wealth & Trust, FSB
Higher TFS health score
Capitalization
MassMutual Private Wealth & Trust, FSB
Higher comparable capital ratio
Profitability
MassMutual Private Wealth & Trust, FSB
Higher return on assets
Lending quality
MassMutual Private Wealth & Trust, FSB
Lower problem-loan measure
Growth
MassMutual Private Wealth & Trust, FSB
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | MassMutual Private Wealth & Trust, FSB | Williamsville State Bank & Trust |
|---|---|---|
| TFS health score | 71.7/100Leads | 60.4/100 |
| Total assets | $93.7M | $93.8M |
| Total deposits / shares | $50.5M | $83.0M |
| Tier 1 capital ratio | 32.24%Leads | 14.53% |
| Return on assets | 6.00%Leads | -0.03% |
| Return on equity | 20.59% |
MassMutual Private Wealth & Trust, FSB
1 branches
Williamsville State Bank & Trust
3 branches
No shared branch states were found in the current TFS branch dataset.
MassMutual Private Wealth & Trust, FSB
Unavailable
Williamsville State Bank & Trust
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
MassMutual Private Wealth & Trust, FSB
0 in TFS registry
Williamsville State Bank & Trust
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | MassMutual Private Wealth & Trust, FSB score | MassMutual Private Wealth & Trust, FSB ROA | Williamsville State Bank & Trust score | Williamsville State Bank & Trust ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 6.80% | — | 0.58% |
| 2024-Q4 | — | 6.86% | — | 0.50% |
| 2025-Q1 | — | 7.67% | — | 0.03% |
| 2025-Q2 | — | 6.53% | — | 0.71% |
| 2025-Q3 | — | 7.50% | — | 0.67% |
| 2025-Q4 | — | 6.57% | — | 0.56% |
| 2026-Q1 | 74.3/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -0.27% |
| Non-performing loans | 0.00%Leads | 1.04% |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 87.50%Leads | 105.16% |
| Loan-to-deposit ratio | 0.00% | 29.22% |
| Asset growth (YoY) | 0.05%Leads | -2.79% |
| Deposit / share growth (YoY) | 0.00%Leads | -3.74% |
| Branches | 1 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 5.97% |
| 54.8/100 |
| 0.49% |
| 2026-Q2 | 71.7/100 | 6.00% | 60.4/100 | -0.03% |