Bank Comparison
Morton Community Bank vs Wheaton Bank & Trust Company, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Morton Community Bank | Wheaton Bank & Trust Company, N.A. |
|---|---|---|
| CET1 Ratio | 14.06% | 11.12% |
| Tier 1 Capital Ratio | 14.06% | 11.12% |
| Total Capital Ratio | 15.05% | 11.75% |
| Tier 1 Leverage Ratio | 10.81% | 9.42% |
| Equity / Assets | 9.74% | 9.42% |
Profitability
| Metric | Morton Community Bank | Wheaton Bank & Trust Company, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.66% | 1.62% |
| Return on Equity (ROE) | 17.22% | 16.87% |
| Net Interest Margin (NIM) | 3.34% | 3.05% |
| Yield on Earning Assets | 4.92% | 5.22% |
| Cost of Funds | 1.72% | 2.24% |
Asset quality
| Metric | Morton Community Bank | Wheaton Bank & Trust Company, N.A. |
|---|---|---|
| Texas Ratio | 8.41% | 3.22% |
| Non-Performing Loan Ratio | 1.01% | 0.35% |
| Non-Performing Asset Ratio | 0.69% | 0.24% |
| Net Charge-Off Ratio | 0.38% | 0.23% |
| ACL / Loans | 1.13% | 0.59% |
Balance sheet
| Metric | Morton Community Bank | Wheaton Bank & Trust Company, N.A. |
|---|---|---|
| Total Assets | $5,281M | $4,462M |
| Total Deposits | $4,558M | $3,805M |
| Total Loans | $3,490M | $3,105M |
| Total Equity | $514,392K | $420,495K |
| Net Income (quarter) | $22,514K | $17,457K |
Liquidity & funding
| Metric | Morton Community Bank | Wheaton Bank & Trust Company, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 76.57% | 81.61% |
| Core Deposit Ratio | 93.85% | 96.22% |
| Uninsured Deposit Ratio | 26.45% | 37.09% |
Identity
| Metric | Morton Community Bank | Wheaton Bank & Trust Company, N.A. |
|---|---|---|
| Headquarters City | MORTON | WHEATON |
| Headquarters State | IL | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 25203 |
| Regulator | FDIC | OCC |
| Domestic Branches | 50 | 8 |
| Employees (FTE) | 551 | 104 |
| Established | Aug. 26, 1961, midnight | May 17, 1993, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Morton Community Bank profile | View full Wheaton Bank & Trust Company, N.A. profile | Browse all bank comparisons