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Wheaton Bank & Trust, National Association
Wheaton, IL·FDIC Cert #33803·Charter: OCC·Est. 19930517.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$4.5B
Q4 2025
Return on Assets
1.46%
-0.02%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
35.07%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.46%-0.02
ROE
15.90%-0.17
Efficiency
35.07%-0.55
Equity/Assets
0.00%+0.00
NPL Ratio
0.47%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.22%-3.59
Charge-offs
0.16%+0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.5 | 1.4 | 1.4 | 1.4 | 1.4 | 1.5 | 1.5 |
| ROE | 14.3 | 15.9 | 14.4 | 14.6 | 14.9 | 15.4 | 16.1 | 15.9 |
| Efficiency | 39.2 | 38.1 | 37.7 | 37.4 | 36.8 | 36.2 | 35.6 | 35.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.5 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 84.9 | 83.3 | 81.0 | 84.2 | 84.3 | 83.6 | 82.8 | 79.2 |
Balance Sheet
Total Assets$4.5B
Total Deposits$3.8B
Total Loans$3.0B
Total Equity$407.6M
Profitability
ROA1.46%
ROE15.90%
Efficiency Ratio35.07%
Net Income$59.0M
Risk & Asset Quality
NPL Ratio0.47%
Charge-off Rate0.16%
Loan/Deposit79.22%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans