BlastPoint's Banking Scorecard
Wheaton Bank & Trust, National Association
Wheaton, IL
8 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +19.5% year over year ($4.1B on the books).
- Delinquency rate 0.53%.
- Return on assets 1.60%.
- Efficiency ratio 32.56% vs a 59.73% peer average.
- Loan-to-deposit ratio 77.58% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wheaton Bank & Trust, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.17% below tier average
- + ROA 0.21% above tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.93% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+17.7% YoY
+7.3% QoQ
|
+$2.0B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
85% |
| Total Loans ? |
$3.2B
+10.8% YoY
+4.0% QoQ
|
+$1.2B |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$4.1B
+19.5% YoY
+8.7% QoQ
|
+$1.8B |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 14.0% in tier |
| Return on Assets ? |
1.60%
+13.0% YoY
+2.6% QoQ
|
+0.21% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
2.94%
-3.9% YoY
-1.4% QoQ
|
-0.93% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio ? |
32.56%
-10.0% YoY
-3.2% QoQ
|
-27.17% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 2.9% in tier |
| Delinquency Rate ? |
0.53%
+32.9% YoY
+32.0% QoQ
|
-0.34% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
77.58%
-7.2% YoY
-4.4% QoQ
|
-7.46% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
17.18%
-10.8% YoY
-1.5% QoQ
|
-4.09% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.35%
-6.4% YoY
+27.8% QoQ
|
-0.32% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
10.78%
+3.7% YoY
-3.1% QoQ
|
-4.07% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.7% in tier |
| Non-Interest Income / Assets ? |
0.15%
-5.4% YoY
+102.0% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.2%
-2.1pp YoY -0.3pp QoQ |
-4.2pp | 21.4% | 20.1% | 22.2% | 35% |
| Brokered Deposits |
9.9%
-0.2pp YoY +0.2pp QoQ |
+0.4pp | 9.5% | 8.0% | 8.5% | 68% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
47.3%
-1.2pp YoY +1.2pp QoQ |
+33.3pp | 14.0% | 14.7% | 12.5% | 98% |
| CRE |
20.7%
+1.3pp YoY +0.1pp QoQ |
-29.3pp | 50.0% | 37.9% | 41.4% | 5% |
| 1-4 Family |
9.3%
+1.2pp YoY -0.2pp QoQ |
-17.1pp | 26.4% | 28.3% | 31.3% | 15% |
| Consumer |
16.3%
-3.7pp YoY -0.7pp QoQ |
+11.6pp | 4.7% | 5.4% | 5.0% | 93% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.8%
+0.4pp YoY -0.3pp QoQ |
-4.8pp | 15.6% | 19.9% | 19.7% | 6% |
| Leverage Ratio |
9.1%
-0.2pp YoY -0.3pp QoQ |
-2.2pp | 11.3% | 12.2% | 12.6% | 14% |
| Total Capital Ratio |
11.3%
+0.1pp YoY -0.4pp QoQ |
-5.4pp | 16.7% | 20.9% | 20.8% | 2% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
104
-4 (-3.7%) YoY 0 QoQ |
-210 | 313 | 228 | 482 | 8% |
| Assets per Employee ($) |
$46.1M
+22.2% YoY +7.3% QoQ |
+$35.6M | $10.5M | $8.3M | $8.8M | 99% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 10 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 56% |
| Nonaccrual |
0.5%
+0.1pp YoY +0.1pp QoQ |
-0.3pp | 0.8% | 1.1% | 1.0% | 48% |
| Allowance Coverage |
0.98x
-50.2% YoY -34.1% QoQ |
-17.73x | 18.71x | 5.62x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
+2.2pp YoY +0.7pp QoQ |
+5.0pp | 12.6% | 10.5% | 11.6% | 85% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.6% | 1.7% | 70% |
| Net Income ($, YTD) |
$36.7M
+35.0% YoY — QoQ |
+$17.4M | $19.2M | $11.7M | $40.4M | 86% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.