WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION

WHEATON, IL | Large | Est. May 17, 1993, midnight | FDIC #33803 | RSSD #2044811 | OCC
Latest Report: 2025-12-31

WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in WHEATON, IL, established in May 17, 1993, midnight. As of 2025-12-31, the bank reported total assets of $4.5B and total deposits of $3.8B. Profitability stands at 1.42% ROA and 15.40% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 10.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 3.12%. FDIC Certificate #33803.

Assets

$4.5B

Deposits

$3.8B

Loans

$3.1B

Equity

$408M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 15.40%
Net Interest Margin (NIM) 3.21%
Yield on Assets 5.68%
Cost of Funds 3.57%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.15%
Texas Ratio 3.12%
NPA Ratio 0.30%
ACL / Loans 0.64%

Capital & Liquidity

CET1 Ratio 10.66%
Tier 1 Capital 10.66%
Total Capital Ratio 11.34%
Leverage Ratio 9.01%
Loan-to-Deposit 79.73%

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