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Wheaton Bank & Trust, National Association
Wheaton, IL · FDIC Certificate #33803 · Chartered 05/1
Total assets
$4.79B
Total deposits
$4.14B
Total equity
$422.20M
Net loans
$3.21B
Branches (offices)
8
Net income (YTD)
$36.67M
Rank: #294 of 4,213 U.S. banks by assets · #17 of 322 in Illinois. Assets changed 17.7% and deposits 19.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 17.60% |
| Net interest margin (YTD) | 2.94% |
| Equity to assets | 8.81% |
| Tier 1 leverage ratio | 9.10% |
| Uninsured deposits (share of deposits) | 39.7% |
| Noncurrent loans (share of loans) | 0.53% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 77.6% |
| Real estate loans (share of loans) | 30.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $963.82M | 30.0% | |
| Commercial & industrial | $1.52B | 47.3% | |
| Consumer / individual | $523.56M | 16.3% | |
| Construction & development | $137.56M | 4.3% | |
| Agricultural | $10.05M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.78B | $2.36B | $12.71M | $275.32M |
| Jun 2023 | $3.10B | $2.59B | $22.11M | $304.10M |
| Jun 2024 | $3.46B | $2.91B | $25.07M | $312.11M |
| Jun 2025 | $4.07B | $3.46B | $27.16M | $368.61M |
| Jun 2026 | $4.79B | $4.14B | $36.67M | $422.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $4.14B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.14B.
Similar-sized banks
Hills Bank And Trust Company ($4.79B) · First Bank & Trust ($4.78B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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