Wheaton College Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Wheaton College Trust Company, N.A. is an FDIC-insured bank headquartered in Wheaton, IL. At Q2 2026 it reported total assets of $4.0M, up 4.3% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Wheaton, IL
- Established
- Not reported
- Total assets, Q2 2026
- $4.0M
- Assets vs Q2 2025
- +4.3%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 271250249
- Latest call report
- Q2 2026, FFIEC 051 · Wheaton College Trust Company, N.A. Q3 2026 call report, filed October 27, 2026 (preliminary)
Wheaton College Trust Company, N.A. carries far more capital than most banks of its size. Based in Wheaton, Illinois, it had $4.0 million in assets at June 30, 2026, up 4.3% from a year earlier. It holds common equity equal to 833.62% of its risk-weighted assets, 40.1 times the median of 20.80% for the 533 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.9%).
Costs are the weak spot: it spends about 95 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Wheaton College Trust Company, N.A. reported a CET1 capital ratio of 833.62%, a return on assets of 1.68% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets fell 0.1% to $4.0M. On its Q2 2026 call report, Wheaton College Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Employees (FTE)
- 6
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $4.1M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 2960788
Profitability
Q2 annualizedAsset Quality
Capital & 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
From Q3 2023 to Q2 2026, Wheaton College Trust Company, N.A.'s total assets ranged from $3.9M (Q2 2025) to $4.0M (Q1 2026), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.0M total assets against $3.9M; $202K total liabilities against $121K.
$0 net loans and leases against $0; $0 total deposits against $0.
$3.6M securities against $3.4M; $11K cash and balances due against $11K.
$36K total interest income against $38K; $0 total interest expense against $0.
$36K net interest income against $38K.
$347K total noninterest income against $281K; $363K total noninterest expense against $321K.
No provision recorded in the last 12 quarters.
$17K net income against -$1K.
1.68% return on assets against -0.10%; 3.91% net interest margin against 4.22%.
833.62% CET1 capital ratio against 948.48%; 94.70% tier 1 leverage ratio against 96.65%.
Inside the full Wheaton College Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.84% (Q4 2024) to 4.82% (Q3 2025) and its net interest margin ran from 3.85% (Q1 2026) to 5.91% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 833.62% | 1.68% | — | 0.00% | 3.91% |
| Q1 2026 | 831.74% | -0.69% | — | 0.00% | 3.85% |
| Q4 2025 | 901.88% | 3.03% | — | 0.00% | 4.02% |
| Q3 2025 | 878.29% | 4.82% | — | 0.00% | 4.62% |
| Q2 2025 | 948.48% | -0.10% | — | 0.00% | 4.22% |
| Q1 2025 | 851.93% | 1.64% | — | 0.00% | 5.91% |
| Q4 2024 | 954.34% | -1.84% | — | 0.00% | 4.72% |
| Q3 2024 | 882.63% | 1.12% | — | 0.00% | 4.69% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wheaton College Trust Company, N.A.
What are Wheaton College Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Wheaton College Trust Company, N.A. reported total assets of $4.0 million in its FFIEC call report.
Where is Wheaton College Trust Company, N.A. headquartered?
It is headquartered in Wheaton, IL, United States.
What is Wheaton College Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 833.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Wheaton College Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% 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.
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