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Wheaton College Trust Company, National Association

Wheaton, IL · Cert 57150

FDIC

Q2 2026

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

Executive Summary

  • Earnings: ROA of 1.68%, up 178 bps year over year; NIM at 3.55%.
  • Capital: tier 1 leverage ratio of 94.70%, down 195 bps from a year ago.

Return on Assets (quarter, annualized)

1.68%+178 bps YoY

Net Interest Margin (quarter, annualized)

3.55%-36 bps YoY

Efficiency Ratio (quarter, annualized)

94.78%-585 bps YoY

Tier 1 Leverage Ratio

94.70%-195 bps YoY

NIM

4.09%Q2 ’243.91%Q2 ’253.55%Q2 ’26-4%-9%

Non-interest income vs. expense

33.45%Q2 ’2433.04%Q2 ’2535.78%Q2 ’26+244%-62%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%-1.84%1.63%-0.10%4.81%3.02%-0.70%1.68%+178 bps
Return on Equity1.17%-1.92%1.71%-0.11%4.97%3.14%-0.73%1.77%+188 bps
Net Interest Margin4.17%4.30%5.31%3.91%4.20%3.63%3.47%3.55%-36 bps
Efficiency Ratio95.57%106.60%94.81%100.63%83.91%89.36%102.01%94.78%-585 bps
Non-Interest Burden2.75%6.45%3.47%4.12%-1.95%-0.20%4.17%1.58%-254 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