Wheaton Bank & Trust Company, National Association
Wheaton, IL · Cert 33803 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)
Q2 2026
$4.8BAssets
$3.2BLoans
$4.1BDeposits
$422.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 31).
- Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 29 of 31).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.53%
Rank 10 of 31
Net Interest Margin
2.87%
Rank 29 of 31
Efficiency Ratio
32.56%
Rank 3 of 31
Equity / Assets
8.81%
Rank 26 of 31
Non-interest income vs. expense
Unfavorable gap of $31.6M · efficiency ratio beats 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 1.15% | 1.39% | 1.64% | Beats 68% | 10 / 31 | | |
| Return on Equity | 17.37% | 11.05% | 13.35% | 16.66% | Beats 87% | 4 / 31 | | |
| Net Interest Margin | 2.87% | 3.00% | 3.28% | 3.75% | Beats 6% | 29 / 31 | | |
| Efficiency Ratio | 32.56% | 37.25% | 50.71% | 61.60% | Beats 94% | 3 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.18% | 0.41% | 1.00% | Beats 45% | 18 / 31 | | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.04% | 0.11% | Beats 29% | 23 / 31 | | |
| Capital |
| Tier 1 Capital Ratio | 10.78% | 10.88% | 11.50% | 13.72% | Beats 13% | 27 / 31 | | |
| Total Risk-Based Capital Ratio | 11.32% | 11.53% | 12.02% | 14.77% | Beats 6% | 29 / 31 | | |
| Equity / Assets | 8.81% | 8.90% | 10.15% | 11.24% | Beats 16% | 26 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.98% | 80.56% | 87.67% | 94.53% | 13th pctl | 27 / 31 | | |
| Loans / Assets | 67.35% | 67.81% | 73.77% | 76.85% | 16th pctl | 26 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |