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Wheaton College Trust Company, National Association

Wheaton, IL · Cert 57150

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

3

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wheaton College Trust Company, National Association

Wheaton, IL · Cert 57150

FDIC

Q2 2026

$4.0MAssets
$0KLoans
$0KDeposits
$3.8MEquity

Executive Summary

  • Earnings: ROA of 0.50%, down 27 bps year over year; NIM at 3.50%.
  • Capital: tier 1 leverage ratio of 94.70%, down 195 bps from a year ago.

Return on Assets (YTD, annualized)

0.50%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-113 bps YoY

Efficiency Ratio (YTD, annualized)

98.22%+62 bps YoY

Tier 1 Leverage Ratio

94.70%-195 bps YoY

NIM

4.09%Q2 ’244.63%Q2 ’253.50%Q2 ’26+13%-24%

Non-interest income vs. expense

32.43%Q2 ’2433.45%Q2 ’2535.39%Q2 ’26+473%-25%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.41%1.35%1.63%0.77%2.11%2.34%-0.70%0.50%-27 bps
Return on Equity2.54%1.42%1.71%0.80%2.20%2.44%-0.73%0.52%-28 bps
Net Interest Margin4.10%4.17%5.31%4.63%4.47%4.21%3.47%3.50%-113 bps
Efficiency Ratio92.04%95.51%94.81%97.60%92.69%91.83%102.01%98.22%+62 bps
Non-Interest Burden1.36%2.64%3.47%3.81%1.88%1.34%4.17%2.86%-95 bps
Growth
Asset Growth (YoY)-0.93%-1.17%1.04%-0.87%0.59%2.81%1.78%4.33%+520 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio95.58%95.75%95.99%96.65%97.41%96.70%94.94%94.70%-195 bps
Total Risk-Based Capital883%954%852%948%878%902%832%834%-11,486 bps
Equity / Assets95.85%96.37%94.42%96.88%96.38%96.04%94.47%95.01%-187 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets76.09%76.89%75.19%77.17%75.90%75.07%73.98%74.07%-311 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wheaton College Trust Company, National Association

Wheaton, IL · Cert 57150 · Peer group: banks under $1B in assets in IL (n=151)

FDIC

Q2 2026

$4.0MAssets
$0KLoans
$0KDeposits
$3.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets in IL (rank 1 of 151).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets in IL (rank 148 of 151).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.49%

Rank 128 of 151

Net Interest Margin

3.50%

Rank 67 of 151

Efficiency Ratio

98.22%

Rank 148 of 151

Equity / Assets

95.01%

Rank 2 of 151

Non-interest income vs. expense

$1.3M$1.4MINCOMEEXPENSE
Unfavorable gap of $0.1M · efficiency ratio beats 3% of banks under $1B in assets in IL
Bank 98.22%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.49%0.70%1.03%1.34%Beats 15%128 / 151
Return on Equity0.52%6.74%9.34%12.94%Beats 4%145 / 151
Net Interest Margin3.50%3.02%3.43%3.83%Beats 56%67 / 151
Efficiency Ratio98.22%54.64%64.89%72.50%Beats 3%148 / 151
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio834%11.83%14.17%18.66%Beats 99%1 / 151
Total Risk-Based Capital Ratio834%12.22%14.54%19.92%Beats 99%1 / 151
Equity / Assets95.01%9.10%10.65%12.40%Beats 99%2 / 151
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%45.91%61.31%68.01%0th pctl150 / 151
Brokered Deposits / Depositsn/aNot reported for this institution