Wheaton Bank & Trust Company, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 8.76 percentage points higher than in Q1 2026, at 32.67%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.23B |
| Net loans and leases | $3.21B |
| Loans held for sale | $0 |
| Loans to total assets | 67.35% |
| Loan-to-deposit ratio | 77.98% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.45% |
| Multifamily (5+ residential) | 2.90% |
| Commercial and industrial | 47.02% |
| Consumer | 16.23% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.62% |
| Construction concentration (Tier 1 capital + allowance) | 32.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.86% |
| Interest income on loans | $44.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.21B | $2.63B | 15.81% | 42.31% | 24.96% |
| Q4 2023 | $2.31B | $2.72B | 15.10% | 44.15% | 23.16% |
| Q1 2024 | $2.25B | $2.63B | 15.44% | 42.10% | 24.51% |
| Q2 2024 | $2.45B | $2.91B | 15.70% | 44.51% | 22.25% |
| Q3 2024 | $2.50B | $3.06B | 15.19% | 45.24% | 21.69% |
| Q4 2024 | $2.63B | $3.10B | 13.86% | 47.34% | 20.57% |
| Q1 2025 | $2.70B | $3.17B | 13.76% | 46.60% | 20.78% |
| Q2 2025 | $2.92B | $3.46B | 12.73% | 48.05% | 19.90% |
| Q3 2025 | $2.97B | $3.56B | 12.61% | 46.32% | 18.71% |
| Q4 2025 | $3.06B | $3.83B | 12.95% | 47.56% | 17.42% |
| Q1 2026 | $3.11B | $3.81B | 13.93% | 45.80% | 16.95% |
| Q2 2026 | $3.23B | $4.14B | 13.45% | 47.02% | 16.23% |
Wheaton Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wheaton Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-C, 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)