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Wheaton College Trust Company, National Association

Wheaton, IL · Cert 57150

FDIC

Q2 2026

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

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%2.11%2.34%-0.70%0.50%-27 bps
Return on Equity0.80%2.20%2.44%-0.73%0.52%-28 bps
Net Interest Margin4.63%4.47%4.21%3.47%3.50%-113 bps
Efficiency Ratio97.60%92.69%91.83%102.01%98.22%+62 bps
Non-Interest Burden3.81%1.88%1.34%4.17%2.86%-95 bps
Growth
Asset Growth (YoY)-0.87%0.59%2.81%1.78%4.33%+520 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio96.65%97.41%96.70%94.94%94.70%-195 bps
Total Risk-Based Capital948%878%902%832%834%-11,486 bps
Equity / Assets96.88%96.38%96.04%94.47%95.01%-187 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets77.17%75.90%75.07%73.98%74.07%-311 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a