Wheaton Bank & Trust, National Association: how it compares with its peers
Against 27 IL banks with half to twice its assets, Wheaton Bank & Trust, National Association's strongest measure in Q2 2026 is assets per employee ($46.1M vs. a $12.1M peer median). Its weakest relative measure is net interest margin (2.94% vs. 3.39%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.43% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.94% | 3.39% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 32.56% | 49.49% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $46.1M | $12.1M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.58% | 87.38% | Context |
What it means for lending operations
Its efficiency ratio of 32.56% is better than the 49.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Barrington Bank & Trust Company, National Association Barrington, IL · $5.17B
- State Bank of India Chicago, IL · $4.32B
- Morton Community Bank Morton, IL · $5.35B
- United Community Bank Chatham, IL · $4.13B
- Carrollton Bank Carrollton, IL · $3.88B
- St. Charles Bank & Trust Company, National Association Saint Charles, IL · $3.69B
Questions about Wheaton Bank & Trust, National Association
How big is Wheaton Bank & Trust, National Association?
Wheaton Bank & Trust, National Association, established in 1993, is headquartered in Wheaton, IL. It reported $4.79B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Wheaton Bank & Trust, National Association's return on assets?
1.60% annualized in Q2 2026, against a 1.43% median for 27 IL banks with half to twice its assets, ahead of 67% of them.
What is Wheaton Bank & Trust, National Association's efficiency ratio?
32.56% in Q2 2026: it spent about 33 cents in noninterest expense for each dollar of revenue. The peer median is 49.49%, and lower is better.
Is Wheaton Bank & Trust, National Association growing its loans?
Net loans grew 10.8% over the year to Q2 2026, while deposits grew 19.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.