Wheaton Bank & Trust Company, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 68.2% higher than in Q1 2026, at $400.0M. Wheaton Bank & Trust Company, N.A. ranks 147th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 77.98% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Wheaton Bank & Trust Company, N.A. sits 10.22 points lower, at 77.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $400.0M |
| Cash and noninterest-bearing balances to assets | 8.35% |
| Cash and securities | $1.39B |
| Fed funds sold and reverse repos | $5K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $201.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.20% |
| Trading liabilities | $4.9M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.98% |
| Net loans and leases to deposits | 77.58% |
| Loans and leases to core deposits | 81.58% |
| Core deposits to total deposits | 85.70% |
| Brokered deposits to total deposits | 9.89% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 83.97% | 87.76% | $0 | $151.4M |
| Q4 2023 | 85.01% | 85.88% | $0 | $151.4M |
| Q1 2024 | 85.59% | 84.83% | $0 | $151.4M |
| Q2 2024 | 83.94% | 84.11% | $0 | $201.3M |
| Q3 2024 | 81.79% | 85.92% | $0 | $201.3M |
| Q4 2024 | 84.93% | 88.06% | $0 | $201.3M |
| Q1 2025 | 85.02% | 85.62% | $0 | $204.3M |
| Q2 2025 | 84.28% | 86.12% | $0 | $201.3M |
| Q3 2025 | 83.40% | 87.50% | $0 | $201.3M |
| Q4 2025 | 79.73% | 86.43% | $0 | $201.3M |
| Q1 2026 | 81.61% | 86.55% | $0 | $201.3M |
| Q2 2026 | 77.98% | 85.70% | $0 | $201.3M |
Wheaton Bank & Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wheaton Bank & Trust Company, N.A., freeSource: Call Report Schedules RC and RC-M, 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)