TellerScore

Wheaton Bank & Trust, National Association (FDIC certificate #33803) is based in Wheaton, Illinois. Its Q2 2026 call report shows $4.8B in total assets and $4.1B in deposits and 8 offices.

Wheaton Bank & Trust, National Association has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 198th. Problem-loan coverage contributes the most (92/100, 3.9%); capital cushion contributes the least (41/100, 9.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.10%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.53%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 77.6% · 39.7% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.87%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202465
Q4 202466
Q1 202567
Q2 202567
Q3 202566
Q4 202566
Q1 202669
Q2 202667
Tier 1 leverage ratio
5.00%7.21%9.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.26%
Q3 20249.00%
Q4 20249.07%
Q1 20259.28%
Q2 20259.33%
Q3 20259.06%
Q4 20259.01%
Q1 20269.42%
Q2 20269.10%
Noncurrent loans
0.26%0.39%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.50%
Q4 20240.44%
Q1 20250.40%
Q2 20250.39%
Q3 20250.38%
Q4 20250.47%
Q1 20260.40%
Q2 20260.53%
Return on assets
1.37%1.49%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.53%
Q3 20241.37%
Q4 20241.38%
Q1 20251.38%
Q2 20251.42%
Q3 20251.48%
Q4 20251.46%
Q1 20261.56%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$4.8B9.10%0.53%1.60%77.6%
Q1 202669$4.5B9.42%0.40%1.56%81.1%
Q4 202566$4.5B9.01%0.47%1.46%79.2%
Q3 202566$4.2B9.06%0.38%1.48%82.8%
Q2 202567$4.1B9.33%0.39%1.42%83.6%
Q1 202567$3.8B9.28%0.40%1.38%84.3%
Q4 202466$3.7B9.07%0.44%1.38%84.2%
Q3 202465$3.6B9.00%0.50%1.37%81.0%
Q2 202469$3.5B9.26%0.26%1.53%83.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.10%
15th
Total risk-based capital11.32%
27th
Problem loans0.53%
49th
Net charge-offs0.17%
22nd
Return on assets1.60%
74th
Net interest margin2.94%
13th
Efficiency ratio32.6%
96th
Loans to deposits77.6%
73rd
Uninsured deposits39.7%
27th
Loan-loss reserves0.51%
4th
Texas ratio3.9%
46th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Barrington Bank & Trust Company, National AssociationBank Barrington, IL42 out of 100, Below average$5.2B10.1%4.75%vs
State Bank of IndiaBank Chicago, IL41 out of 100, Below average$4.3B0.0%0.00%vs
Morton Community BankBank Morton, IL72 out of 100, Strong$5.3B10.6%0.81%vs
United Community BankBank Chatham, IL72 out of 100, Strong$4.1B10.2%0.31%vs
Carrollton BankBank Carrollton, IL58 out of 100, Moderate$3.9B8.0%0.36%vs
St. Charles Bank & Trust Company, National AssociationBank Saint Charles, IL66 out of 100, Moderate$3.7B9.6%0.70%vs

Deposit insurance

Is my money safe at Wheaton Bank & Trust, National Association?

Yes. Wheaton Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #33803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.7% of deposits ($1.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.10%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.32% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Wheaton Bank & Trust, National Association lists 8 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wheaton Bank & Trust, National Association reported 121 home-loan applications under HMDA (LEI 549300S5LHMBX3WRT314): 97 originated ($96,085,000 total), 7 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Wheaton Bank & Trust, National Association
Former names
Northview Bank & Trust; Wheaton Bank & Trust
Type
National bank
FDIC certificate #
33803
RSSD ID
2044811
Primary regulator
OCC
Holding company
Wintrust Financial Corp
Established
May 17, 1993
Headquarters
100 N Wheaton Ave, Wheaton, IL 60187
Employees
104

Quick answers

Wheaton Bank & Trust, National Association: common questions

Is Wheaton Bank & Trust, National Association FDIC insured?

Yes. Wheaton Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #33803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wheaton Bank & Trust, National Association's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Wheaton Bank & Trust, National Association ever failed?

There is no failure record for FDIC certificate #33803 in the FDIC failed bank list.

How many branches does Wheaton Bank & Trust, National Association have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wheaton

InstitutionScoreAssetsCapitalProblem loansCompare
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
Aurora Firefighters' Credit UnionCredit union Aurora, IL93 out of 100, Very strong$2.7M16.1%0.00%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs