Wheaton Bank & Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 8.3% in Q2 2026, from -$32.9M to -$35.6M. It was the largest change from Q1 2026 among the key lines here. Wheaton Bank & Trust Company, N.A. has the 20th lowest CET1 ratio of the 198 banks headquartered in Illinois, at 10.78% as of Q2 2026. Wheaton Bank & Trust Company, N.A. reported 10.78% on CET1 ratio for Q2 2026, 2.70 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.78% |
| Tier 1 risk-based capital ratio | 10.78% |
| Total risk-based capital ratio | 11.32% |
| Tier 1 leverage ratio | 9.10% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $404.5M |
| Tier 1 capital | $404.5M |
| Total risk-based capital | $424.8M |
| Total equity capital | $422.2M |
| Risk-weighted assets | $3.75B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.81% |
| Tangible equity to tangible assets | 7.78% |
| Equity capital to average assets | 9.39% |
| Internal capital growth rate | 4.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $153.0M |
| Retained earnings | $304.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.44% | 11.44% | 12.20% | 9.84% | $2.65B |
| Q4 2023 | 10.77% | 10.77% | 11.54% | 9.43% | $2.75B |
| Q1 2024 | 11.41% | 11.41% | 12.23% | 9.87% | $2.69B |
| Q2 2024 | 10.52% | 10.52% | 11.23% | 9.26% | $2.86B |
| Q3 2024 | 10.68% | 10.68% | 11.54% | 9.00% | $2.91B |
| Q4 2024 | 10.63% | 10.63% | 11.43% | 9.07% | $3.04B |
| Q1 2025 | 10.74% | 10.74% | 11.59% | 9.28% | $3.12B |
| Q2 2025 | 10.39% | 10.39% | 11.19% | 9.33% | $3.37B |
| Q3 2025 | 10.65% | 10.65% | 11.37% | 9.06% | $3.44B |
| Q4 2025 | 10.66% | 10.66% | 11.34% | 9.01% | $3.59B |
| Q1 2026 | 11.12% | 11.12% | 11.75% | 9.42% | $3.60B |
| Q2 2026 | 10.78% | 10.78% | 11.32% | 9.10% | $3.75B |
Wheaton Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wheaton Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wheaton Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33803) · FFIEC NIC profile (RSSD 2044811)