Bank Safety Analysis
Is Wheaton College Trust Company, N.A. Safe?
Wheaton College Trust Company, N.A. shows stress on 1 of 4 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
Return on assets climbed 2.37 percentage points in Q2 2026, from -0.69% to 1.68%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.50% for banks in the < $100M asset tier, Wheaton College Trust Company, N.A. reported 833.62% on CET1 ratio in Q2 2026, 814.12 points higher. From Q3 2023 to Q2 2026, Wheaton College Trust Company, N.A.'s CET1 ratio ranged between 794.83% (Q1 2024) and 954.34% (Q4 2024) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Wheaton College Trust Company, N.A.'s CET1 ratio from 948.48% to 833.62%, Texas ratio from 0.00% to 0.00%, return on assets from -0.10% to 1.68% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (506 banks) · Industry averages as of Q2 2026.
CET1 of 833.62% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 94.70% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 94.8% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 833.62% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 833.62% |
| Q1 2026 | 831.74% |
| Q4 2025 | 901.88% |
| Q3 2025 | 878.29% |
| Q2 2025 | 948.48% |
| Q1 2025 | 851.93% |
| Q4 2024 | 954.34% |
| Q3 2024 | 882.63% |
| Q2 2024 | 903.37% |
| Q1 2024 | 794.83% |
| Q4 2023 | 873.93% |
| Q3 2023 | 843.61% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Wheaton College Trust Company, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 833.62% | — | 0.00% | 1.68% |
| Mar 31, 2026 | 831.74% | — | 0.00% | -0.69% |
| Dec 31, 2025 | 901.88% | — | 0.00% | 3.03% |
| Sep 30, 2025 | 878.29% | — | 0.00% | 4.82% |
| Jun 30, 2025 | 948.48% | — | 0.00% | -0.10% |
| Mar 31, 2025 | 851.93% | — | 0.00% | 1.64% |
| Dec 31, 2024 | 954.34% | — | 0.00% | -1.84% |
| Sep 30, 2024 | 882.63% | — | 0.00% | 1.12% |
| Jun 30, 2024 | 903.37% | — | 0.00% | 6.24% |
| Mar 31, 2024 | 794.83% | — | 0.00% | -0.10% |
| Dec 31, 2023 | 873.93% | — | 0.00% | -0.72% |
| Sep 30, 2023 | 843.61% | — | 0.00% | 2.48% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Wheaton College Trust Company, N.A. well capitalized?
Yes. Wheaton College Trust Company, N.A. reports a CET1 Ratio of 833.62%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is Wheaton College Trust Company, N.A.'s Texas Ratio?
Wheaton College Trust Company, N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 2960788)
Explore: Full Wheaton College Trust Company, N.A. profile · Other banks in IL · Metric glossary · How the call report works