Wheaton Bank & Trust Company, N.A.
Also written as WB&T
BankRegReports is independent of Wheaton Bank & Trust Company, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Wheaton Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Wheaton, IL, established in 1993 (FDIC certificate 33803), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.79B, up 17.7% from Q2 2025, the 17th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.78% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33803
- Headquarters
- Wheaton, IL
- Established
- 1993
- Total assets, Q2 2026
- $4.79B
- Assets vs Q2 2025
- +17.7%
- CET1 ratio, Q2 2026
- 10.78%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 071925389
- Latest call report
- Q2 2026, FFIEC 041 · Wheaton Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 17th of 319 in Illinois
Wheaton Bank & Trust Company, N.A. runs leaner than most banks of its size. The Wheaton, Illinois bank had $4.8 billion in assets at June 30, 2026, up 17.7% from a year earlier. It spends about 31 cents to bring in each dollar of revenue, about half the median of 58 cents for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it holds common equity equal to 10.78% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.50%).
Earnings jumped: net income for the quarter was $19 million, 34% above the same quarter a year earlier. Over the same year, loans grew 10.5% and deposits grew 19.5%. Its margin is thin by comparison: it keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Wheaton Bank & Trust Company, N.A. reported a CET1 capital ratio of 10.78%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 4.32%. The figures come from its call report filed with the FFIEC.
Wheaton Bank & Trust Company, N.A. ranks as the 17th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 7.3% to $4.79B, loans rose 3.9% and deposits rose 8.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 47.0% of total loans, ahead of other consumer loans at 16.1%. Its 8 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Wheaton 2 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, Wheaton Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N Wheaton Ave, Wheaton, IL 60187
- County
- Dupage
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 17, 1993
- Former names
- Wheaton Bank & Trust, National Association (2019); Wheaton Bank & Trust (2004-2019)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $4.14B
- Allowance for credit losses
- $16.6M
- Net charge-offs (YTD)
- $2.7M
- Average total assets
- $4.50B
- Average total loans
- $3.03B
- Average interest-bearing deposits
- $3.15B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 17, 1993
- FDIC Cert
- 33803
- Fed RSSD
- 2044811
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.wheatonbank.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Wheaton Bank & Trust Company, N.A.'s total assets moved between a low of $3.12B (Q3 2023) and a high of $4.79B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.79B total assets against $4.07B; $4.37B total liabilities against $3.70B.
$3.21B net loans and leases against $2.90B; $4.14B total deposits against $3.46B.
$993.7M securities against $625.3M; $400.0M cash and balances due against $329.8M.
$57.0M total interest income against $50.3M; $24.6M total interest expense against $22.9M.
$32.3M net interest income against $27.4M.
$4.0M total noninterest income against $3.4M; $11.5M total noninterest expense against $11.0M.
-$1.2M provision for credit losses against $295K.
$19.2M net income against $14.4M.
1.71% return on assets against 1.51%; 2.98% net interest margin against 3.01%.
10.78% CET1 capital ratio against 10.39%; 9.10% tier 1 leverage ratio against 9.33%.
Inside the full Wheaton Bank & Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Wheaton Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 55 of 3,606, for efficiency ratio; its furthest is 2,004 of 2,134, for CET1 ratio.
Metric pages for Wheaton Bank & Trust Company, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.09% (Q3 2024) to 1.71% (Q2 2026) and its net interest margin ran from 2.98% (Q2 2026) to 3.17% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.78% | 1.71% | 0.53% | 4.32% | 2.98% |
| Q1 2026 | 11.12% | 1.62% | 0.40% | 3.12% | 3.05% |
| Q4 2025 | 10.66% | 1.43% | 0.47% | 4.55% | 3.11% |
| Q3 2025 | 10.65% | 1.60% | 0.38% | 4.17% | 2.99% |
| Q2 2025 | 10.39% | 1.51% | 0.39% | 4.57% | 3.01% |
| Q1 2025 | 10.74% | 1.39% | 0.40% | 4.58% | 3.17% |
| Q4 2024 | 10.63% | 1.40% | 0.44% | 5.11% | 3.06% |
| Q3 2024 | 10.68% | 1.09% | 0.50% | 5.42% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wheaton Bank & Trust, National Association | Wheaton , IL | 60187 | $3.08B |
| Naperville Fort Hill Branch | Naperville , IL | 60540 | $368.9M |
| Community Bank Wheaton Branch | Glen Ellyn , IL | 60137 | $279.0M |
| South Naperville Branch | Naperville , IL | 60540 | $108.8M |
| County Farm Road Branch | Wheaton , IL | 60187 | $102.6M |
| Downtown Naperville Branch | Naperville , IL | 60540 | $87.0M |
| Lombard Bank & Trust Branch | Lombard , IL | 60148 | $74.6M |
| Bolingbrook Branch | Bolingbrook , IL | 60440 | $41.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 25, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 25, 2015 | Structure Change | Acquired Community Bank-Wheaton/Glen Ellyn Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 24, 2010 | Structure Change | Acquired Wheatland Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 23, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 11, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in IL, rank 27 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 129 applications, 97 loans originated, $96.1M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $6.2M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Wheaton Bank & Trust Company, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Wheaton Bank & Trust Company, N.A.
What are Wheaton Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Wheaton Bank & Trust Company, N.A. reported total assets of $4.79 billion in its FFIEC call report.
Where is Wheaton Bank & Trust Company, N.A. headquartered?
It is headquartered in Wheaton, IL, United States.
When was Wheaton Bank & Trust Company, N.A. founded?
It was established in 1993, per the FDIC institution directory.
Is Wheaton Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wheaton Bank & Trust Company, N.A.?
Wheaton Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Wheaton Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does Wheaton Bank & Trust Company, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wheaton Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 4.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Wheaton Bank & Trust Company, N.A. previously called?
The charter now named Wheaton Bank & Trust Company, N.A. has also operated as Wheaton Bank & Trust, National Association (2019), Wheaton Bank & Trust (2004-2019), per FDIC structure-change records.
Go deeper on Wheaton Bank & Trust Company, N.A.
Get an email when Wheaton Bank & Trust Company, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Wheaton Bank & Trust Company, N.A., freeFree account