BlastPoint's Banking Scorecard

Wheaton Bank & Trust, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 33803

Wheaton, IL

8 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL

Wheaton Bank & Trust, National Association has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 27.43% below tier average
+ ROA 0.20% above tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 69.4% in tier
- Net Interest Margin 0.84% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$4.5B +18.8% YoY -0.3% QoQ	+$1.6B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$3.1B +15.4% YoY +1.6% QoQ	+$1.1B	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$3.8B +19.9% YoY -0.8% QoQ	+$1.5B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.56% +13.2% YoY +6.8% QoQ	+0.20%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	2.98% -5.9% YoY -3.1% QoQ	-0.84%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	33.63% -8.6% YoY -4.1% QoQ	-27.43%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 3.4% in tier
Delinquency Rate ?	0.40% -1.5% YoY -15.5% QoQ	-0.49%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	81.13% -3.8% YoY +2.4% QoQ	-3.08%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	17.45% -14.1% YoY -10.6% QoQ	-3.84%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.28% -29.5% YoY -27.4% QoQ	-0.40%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	11.12% +3.5% YoY +4.4% QoQ	-4.04%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.08% -10.2% YoY -73.6% QoQ	-0.18%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#26 of 36 • Bottom 69.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 17.45%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 33.63%

Peer Median: 61.06%

#31 of 884 Top 3.4% in $1B-$10B

145

Total Deposits

size

Value: $3.81B

Peer Median: $2.34B

#145 of 884 Top 16.3% in $1B-$10B

152

Total Assets

size

Value: $4.46B

Peer Median: $2.82B

#152 of 884 Top 17.1% in $1B-$10B

154

Total Loans

size

Value: $3.09B

Peer Median: $1.96B

#154 of 884 Top 17.3% in $1B-$10B

Top Weaknesses (3 metrics)

741

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.82%

#741 of 884 Bottom 16.3% in $1B-$10B

722

Tier 1 Capital Ratio

capital

Value: 11.12%

Peer Median: 15.16%

#722 of 884 Bottom 18.4% in $1B-$10B

698

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#698 of 884 Bottom 21.2% in $1B-$10B