C
Wheaton Bank & Trust Company, National Association
Wheaton,  IL
Rating Date
October 2025
Risk Based
Capital Ratio
11.19
Leverage
Ratio
9.33
Return On
Assets
1.45%
Total
Assets
4.07B
Capital
368.61M
Total
Deposits
3.46B
Net
Income
27.16M
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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 5.30
Capitalization Index 6.30
Liquidity Index 2.40
Profitability Index 7.60
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 17.73%
5-Year Asset Growth 16.20%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 4.13%
Non-Performing Loans to Loans 0.61%
Balance Sheet Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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Total Assets 4.07B
Total Deposits 3.46B
Capital and Reserves Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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Capital 368.61M
Leverage Ratio 9.33
Loan Loss Reserves to Loans 0.77%
Risk-Based Capital Ratio 11.19
Liquidity Wheaton Bank & Trust Company, National Association
Wheaton, IL 		Click to
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Hot Money Ratio 8.30%
Liquidity Ratio 9.37%
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 27.16M
Net Interest Spread 3.09%
Operating Profit to Average Assets 1.97%
Overhead Efficiency Ratio 36.23%
Return on Assets 1.45%
Return on Equity 15.41%