Wheaton Bank & Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 62.10 percentage points lower than in Q1 2026, at 105.37%. Within Illinois, Wheaton Bank & Trust Company, N.A. is 59th of 323 on return on assets, 1.71% as of Q2 2026, above the middle of the field. Wheaton Bank & Trust Company, N.A. reported 1.71% on return on assets for Q2 2026, 0.43 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.78% |
| Tier 1 risk-based capital ratio | 10.78% |
| Total risk-based capital ratio | 11.32% |
| Tier 1 leverage ratio | 9.10% |
| Equity capital to assets | 8.81% |
| Tangible equity to tangible assets | 7.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 4.42% |
| Allowance for credit losses to loans | 0.51% |
| Reserve coverage of non-performing loans | 105.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 18.24% |
| Net interest margin | 2.98% |
| Efficiency ratio | 31.43% |
| Yield on earning assets | 5.25% |
| Cost of funds | 2.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.98% |
| Core deposits to total deposits | 85.70% |
| Brokered deposits to total deposits | 9.89% |
| Deposits to assets | 86.37% |
| Securities to assets | 20.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.44% | 11.44% | 12.20% | 9.84% | 1.49% |
| Q4 2023 | 10.77% | 10.77% | 11.54% | 9.43% | 1.26% |
| Q1 2024 | 11.41% | 11.41% | 12.23% | 9.87% | 1.44% |
| Q2 2024 | 10.52% | 10.52% | 11.23% | 9.26% | 1.66% |
| Q3 2024 | 10.68% | 10.68% | 11.54% | 9.00% | 1.09% |
| Q4 2024 | 10.63% | 10.63% | 11.43% | 9.07% | 1.40% |
| Q1 2025 | 10.74% | 10.74% | 11.59% | 9.28% | 1.39% |
| Q2 2025 | 10.39% | 10.39% | 11.19% | 9.33% | 1.51% |
| Q3 2025 | 10.65% | 10.65% | 11.37% | 9.06% | 1.60% |
| Q4 2025 | 10.66% | 10.66% | 11.34% | 9.01% | 1.43% |
| Q1 2026 | 11.12% | 11.12% | 11.75% | 9.42% | 1.62% |
| Q2 2026 | 10.78% | 10.78% | 11.32% | 9.10% | 1.71% |
Wheaton Bank & Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wheaton Bank & Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)