C
Wheaton Bank & Trust Company, National Association
Wheaton,  IL
Rating Date
October 2025
Risk Based
Capital Ratio
11.37
Leverage
Ratio
9.06
Return On
Assets
1.51%
Total
Assets
4.19B
Capital
390.21M
Total
Deposits
3.56B
Net
Income
43.60M
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Weiss Ratings Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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Rating C
Asset Quality Index 5.80
Capitalization Index 6.30
Liquidity Index 2.40
Profitability Index 7.80
Stability Index 5.00
Company Info Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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FDIC Number 33803
Phone Number (630) 690-1800
Website www.wheatonbank.com
Asset Quality Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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1-Year Asset Growth 15.64%
5-Year Asset Growth 16.20%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.34%
Non-Performing Loans to Capital 2.85%
Non-Performing Loans to Loans 0.36%
Balance Sheet Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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Total Assets 4.19B
Total Deposits 3.56B
Capital and Reserves Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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Capital 390.21M
Leverage Ratio 9.06
Loan Loss Reserves to Loans 0.70%
Risk-Based Capital Ratio 11.37
Liquidity Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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Hot Money Ratio 8.14%
Liquidity Ratio 7.42%
Profitability Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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5-Year Return on Average Assets 1.18%
Net Income 43.60M
Net Interest Spread 3.06%
Operating Profit to Average Assets 2.05%
Overhead Efficiency Ratio 35.65%
Return on Assets 1.51%
Return on Equity 16.08%