BlastPoint's Banking Scorecard
Wheaton Bank & Trust, National Association
Community
Specialty: Commercial
IL
FDIC cert 33803
Wheaton, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Wheaton Bank & Trust, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.56% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+22.3% YoY
+6.9% QoQ
|
+$3.1B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$3.0B
+16.4% YoY
+3.0% QoQ
|
+$2.1B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.8B
+23.8% YoY
+7.7% QoQ
|
+$2.7B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.46%
+5.9% YoY
-1.4% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.08%
-0.8% YoY
+0.7% QoQ
|
-0.59% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
35.07%
-6.2% YoY
-1.5% QoQ
|
-27.56% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.47%
+6.8% YoY
+25.5% QoQ
|
-0.15% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
79.22%
-5.9% YoY
-4.3% QoQ
|
-3.84% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
19.52%
-11.3% YoY
+0.2% QoQ
|
-1.53% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.38%
-9.7% YoY
+6.4% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
10.66%
+0.2% YoY
+0.0% QoQ
|
+0.41% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.29%
-11.3% YoY
+19.2% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
35.07%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Credit Quality Pressure
risk
#199 of 808 · Bottom 25% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.47%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
98
98th pctile
Efficiency Ratio
Current: 35.07% · Tier avg: 62.63%
98
98th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.22% · Tier avg: 83.06%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.52% · Tier avg: 21.05%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.66% · Tier avg: 10.24%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
Top Weaknesses
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.66% · Tier avg: 10.24%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.52% · Tier avg: 21.05%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.22% · Tier avg: 83.06%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
98
98th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
98
98th pctile
Efficiency Ratio
Current: 35.07% · Tier avg: 62.63%
98
98th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B