Wheaton College 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 Return on assets: 2.37 percentage points higher than in Q1 2026, at 1.68%. Against a median of 0.98% for banks in the < $100M asset tier, Wheaton College Trust Company, N.A. reported 1.68% on return on assets in Q2 2026, 0.69 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 833.62% |
| Tier 1 risk-based capital ratio | 833.62% |
| Total risk-based capital ratio | 833.62% |
| Tier 1 leverage ratio | 94.70% |
| Equity capital to assets | 95.01% |
| Tangible equity to tangible assets | 95.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 1.77% |
| Net interest margin | 3.91% |
| Efficiency ratio | 94.78% |
| Yield on earning assets | 3.91% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 88.70% |
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 | 843.61% | 843.61% | 843.61% | 91.51% | 2.48% |
| Q4 2023 | 873.93% | 873.93% | 873.93% | 94.23% | -0.72% |
| Q1 2024 | 794.83% | 794.83% | 794.83% | 95.20% | -0.10% |
| Q2 2024 | 903.37% | 903.37% | 903.37% | 95.88% | 6.24% |
| Q3 2024 | 882.63% | 882.63% | 882.63% | 95.58% | 1.12% |
| Q4 2024 | 954.34% | 954.34% | 954.34% | 95.75% | -1.84% |
| Q1 2025 | 851.93% | 851.93% | 851.93% | 95.99% | 1.64% |
| Q2 2025 | 948.48% | 948.48% | 948.48% | 96.65% | -0.10% |
| Q3 2025 | 878.29% | 878.29% | 878.29% | 97.41% | 4.82% |
| Q4 2025 | 901.88% | 901.88% | 901.88% | 96.70% | 3.03% |
| Q1 2026 | 831.74% | 831.74% | 831.74% | 94.94% | -0.69% |
| Q2 2026 | 833.62% | 833.62% | 833.62% | 94.70% | 1.68% |
Wheaton College 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 College 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 College Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2960788)