Wheaton Bank & Trust
Wheaton Bank & Trust reported total assets of $4.8 bn at Q2 2026, up 17.7% on a year earlier, the 291st largest of 497 banks in our US coverage. The CET1 capital ratio at Wheaton Bank & Trust was 10.78%, and the uninsured share of Wheaton Bank & Trust was 39.74%. Source: FDIC Call Reports.
Key takeaways
- Wheaton Bank & Trust reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 32.56% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, Wheaton Bank & Trust climbed from 471st to 426th among 448 US banks between and (1 = highest; FDIC Call Reports).
- The common equity tier 1 (CET1) ratio of Wheaton Bank & Trust, 10.78% at , places Wheaton Bank & Trust in the bottom tenth of banks of $1 bn to $10 bn (group median 13.22%; FDIC Call Reports).
What sets Wheaton Bank & Trust apart
How large is Wheaton Bank & Trust?
The balance sheet of Wheaton Bank & Trust at : assets $4.8 bn, deposits $4.1 bn, net loans $3.2 bn (loans equal to 77.58% of deposits). Securities make up 20.7% of total assets at Wheaton Bank & Trust. Since , when Wheaton Bank & Trust held $1.3 bn, its assets grew 273.4%. In the year to , deposits at Wheaton Bank & Trust rose 19.5% while its total assets rose 17.7%. At , Wheaton Bank & Trust employed 104 full-time equivalent staff across 8 offices, about $46.1 mn of assets per employee and $517.2 mn of deposits per office.
How much funding at Wheaton Bank & Trust is uninsured?
At Wheaton Bank & Trust, uninsured deposits (above the FDIC limit) made up 39.74% of domestic deposits at (+1.70 pp on a year earlier); Wheaton Bank & Trust ranks 189th of 500 on this measure. In dollars, Wheaton Bank & Trust estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.1 bn | +19.5% | 282nd of 499 |
| Net loans and leases | $3.2 bn | +10.8% | 301st of 500 |
| Loan-to-deposit ratio | 77.58% | -6.05 pp | 369th of 500 |
| Tier 1 leverage ratio | 9.10% | -0.23 pp | 419th of 500 |
| Total risk-based capital ratio | 11.32% | +0.13 pp | 442nd of 448 |
| Net interest margin | 2.94% | -0.12 pp | 413th of 500 |
| Return on assets (ROA) | 1.60% | +0.18 pp | 127th of 500 |
| Efficiency ratio | 32.56% | -3.63 pp | 27th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $55.5 mn | Narrowed by $7.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $49.6 mn | Narrowed by $1.5 mn | |
| Noncurrent loans to total loans | 0.53% | +0.13 pp | 208th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.17% | +0.09 pp | 326th of 500 (1 = lowest) |
US rank of Wheaton Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Wheaton Bank & Trust: assets, deposits and loans
- Total assets $4.8bn
- Deposits $4.1bn
- Net loans $3.2bn
Capital and securities
The CET1 ratio of Wheaton Bank & Trust stood at 10.78% in , +0.39 pp year on year. Low and high at Wheaton Bank & Trust since : 9.65% () to 11.44% (). Equity capital of Wheaton Bank & Trust at : $422.2 mn, or 8.8% of total assets. Wheaton Bank & Trust also reported a total capital ratio of 11.32% for , and a tier 1 leverage ratio of 9.10%.
On held-to-maturity securities, Wheaton Bank & Trust carried an unrealized loss of $55.5 mn at , equal to 13.1% of equity capital. The loss narrowed by $7.4 mn over the year. Its deepest point: $83.0 mn in . The available-for-sale portfolio of Wheaton Bank & Trust showed an unrealized loss of $49.6 mn at ; the loss narrowed by $1.5 mn over the year.
Wheaton Bank & Trust: capital ratios
- Total capital 11%
- CET1 11%
- Tier 1 leverage 9.1%
Wheaton Bank & Trust: unrealized securities gains and losses
- Available for sale -$50mn
- Held to maturity -$55mn
Profitability and loan quality
For the year to , Wheaton Bank & Trust earned a return on equity of 17.60%; return on assets: 1.60%. Net interest margin at Wheaton Bank & Trust: 2.94%, -0.12 pp in a year. Wheaton Bank & Trust net income: $36.7 mn, up 35.0% year on year. The efficiency ratio of Wheaton Bank & Trust was 32.56%: about 33 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.53% of total loans at Wheaton Bank & Trust; net charge-offs: 0.17% of average loans. Gross loans and leases at Wheaton Bank & Trust: $3.2 bn, up 10.5% in a year.
Wheaton Bank & Trust: profitability
- Return on equity 18%
- Net interest margin 2.9%
- Return on assets 1.6%
Peer group of Wheaton Bank & Trust
The peer group of Wheaton Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Wheaton Bank & Trust (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Wheaton Bank & Trust shows CET1 ratio 10.78% against a peer median of 12.00%, return on equity 17.60% against a peer median of 12.73% and uninsured deposit share 39.74% against a peer median of 27.43%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Dacotah Bank | State member bank | SD | $4.9 bn | 11.27% | 11.27% | 33.47% | |
| Carter Bank & Trust | State member bank | VA | $4.8 bn | 14.34% | 37.13% | 17.71% | |
| Hills Bank and Trust Company | State nonmember bank | IA | $4.8 bn | not reported | 16.08% | 23.81% | |
| Wheaton Bank & Trust | National bank | IL | $4.8 bn | 10.78% | 17.60% | 39.74% | |
| First Bank & Trust | State nonmember bank | SD | $4.8 bn | not reported | 11.72% | 31.11% | |
| Bar Harbor Bank & Trust | State nonmember bank | ME | $4.7 bn | 12.72% | 11.40% | 20.11% | |
| Town Bank | National bank | WI | $4.7 bn | 11.19% | 13.73% | 31.04% | |
. FDIC Call Reports.
Last eight quarters
Two years at Wheaton Bank & Trust, to : assets +32.3%, deposits +35.1%, equity +26.0%.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.6 bn | $3.7 bn | $3.8 bn | $4.1 bn | $4.2 bn | $4.5 bn | $4.5 bn | $4.8 bn |
| Total deposits | $3.1 bn | $3.1 bn | $3.2 bn | $3.5 bn | $3.6 bn | $3.8 bn | $3.8 bn | $4.1 bn |
| Bank equity capital | $335.0 mn | $334.6 mn | $353.2 mn | $368.6 mn | $390.2 mn | $407.6 mn | $420.5 mn | $422.2 mn |
| CET1 ratio | 10.68% | 10.63% | 10.74% | 10.39% | 10.65% | 10.66% | 11.12% | 10.78% |
| Return on equity (ROE) | 14.40% | 14.61% | 14.88% | 15.42% | 16.07% | 15.90% | 16.87% | 17.60% |
| Uninsured share of domestic deposits | 37.17% | 36.20% | 36.46% | 38.03% | 41.29% | 37.60% | 37.09% | 39.74% |
| Full-time equivalent employees | 104 | 102 | 104 | 108 | 106 | 106 | 104 | 104 |
| Number of offices | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Wheaton Bank & Trust appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Wheaton Bank & Trust?
Wheaton Bank & Trust reported $4.8 bn at in its Call Report. That makes Wheaton Bank & Trust the 291st largest of 497 banks in our US coverage.
Is Wheaton Bank & Trust the same as its holding company?
No. This page covers Wheaton Bank & Trust, FDIC certificate 33803; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Wheaton Bank & Trust profitable?
Wheaton Bank & Trust reported net income of $36.7 mn for the year to ; annualized return on equity: 17.60%. So yes: Wheaton Bank & Trust made a profit over these months.
When is data for Wheaton Bank & Trust next updated?
Figures from Wheaton Bank & Trust for are due after .
Where can I check the figures for Wheaton Bank & Trust?
In the FDIC BankFind Suite record for certificate 33803, and in the Call Reports of Wheaton Bank & Trust (RSSD ID 2044811) at the FFIEC Central Data Repository.