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
Unfavorable gap of $0.1M · efficiency ratio beats 3% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.70% | 1.03% | 1.34% | Beats 15% | 128 / 151 | | |
| Return on Equity | 0.52% | 6.74% | 9.34% | 12.94% | Beats 4% | 145 / 151 | | |
| Net Interest Margin | 3.50% | 3.02% | 3.43% | 3.83% | Beats 56% | 67 / 151 | | |
| Efficiency Ratio | 98.22% | 54.64% | 64.89% | 72.50% | Beats 3% | 148 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 834% | 11.83% | 14.17% | 18.66% | Beats 99% | 1 / 151 | | |
| Total Risk-Based Capital Ratio | 834% | 12.22% | 14.54% | 19.92% | Beats 99% | 1 / 151 | | |
| Equity / Assets | 95.01% | 9.10% | 10.65% | 12.40% | Beats 99% | 2 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 45.91% | 61.31% | 68.01% | 0th pctl | 150 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |