BanksWHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION

WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION

WHEATON, ILLargeEst. May 17, 1993, midnightFDIC #33803RSSD #2044811OCC
Latest · 2025-12-31

WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 10.66%, well above regulatory minimums. NPL ratio: 0.35% · Texas Ratio: 3.12%. Operates 8 domestic branches.

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 Margin3.21%
Yield on Assets5.68%
Cost of Funds2.53%

Asset Quality

NPL Ratio0.35%
Net Charge-Off Ratio0.15%
Texas Ratio3.12%
NPA Ratio0.30%
ACL / Loans0.64%

Capital & Liquidity

CET1 Ratio10.66%
Tier 1 Capital10.66%
Total Capital Ratio11.34%
Leverage Ratio9.01%
Loan-to-Deposit79.73%

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