Banks | Wheaton Bank & Trust, National Association

Wheaton Bank & Trust, National Association


Wheaton Bank & Trust, National Association is an FDIC insured institution headquartered at 100 N Wheaton Ave, Wheaton, IL 60187.
It was founded in 0000 and has approximately $3 billion in assets. Customers can open an account at one of its 8 branches.

Deposit Rates - September 27, 2023

SAVINGS RATES APY MIN
Savings
0.02% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.04% $10,000 Compare
6 Mo CD
0.04% $100,000 Compare
Special: 11 Mo CD
0.55% $1,000 Compare
12 Mo CD
0.08% $10,000 Compare
12 Mo CD
0.08% $100,000 Compare
Special: 17 Mo CD
0.95% $1,000 Compare
18 Mo CD
0.15% $10,000 Compare
18 Mo CD
0.15% $100,000 Compare
24 Mo CD
0.20% $10,000 Compare
24 Mo CD
0.20% $100,000 Compare
36 Mo CD
0.25% $10,000 Compare
36 Mo CD
0.25% $100,000 Compare
48 Mo CD
0.35% $10,000 Compare
48 Mo CD
0.35% $100,000 Compare
60 Mo CD
0.45% $10,000 Compare
60 Mo CD
0.45% $100,000 Compare
MM RATES APY MIN
Money Market
0.02% $2,500 Compare
Money Market
0.03% $10,000 Compare
Money Market
0.03% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 11 Mo FIRA
0.55% $1,000
Special: 17 Mo FIRA
0.95% $1,000
INT CHECKING RATES APY MIN
Int Ckg
0.01% $2,500

Loan Rates - September 27, 2023

HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
3.79% Varies
Compare with RATE Line of Credit from Figure Home Equity Line Figure Home Equity Line
Compare with RATE Line of Credit from New American Funding, LLC New American Funding, LLC
See Other Home Equity Rates →

Overview 2023

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33803
Date Established 0000
Assets $ 3.10 billion
Loans $ 2.21 billion
Deposits $ 2.59 billion
Capital $ 304.10 million

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 91.59 million
Interest-bearing balances $ 67.75 million
Total securities $ 637.19 million
Federal funds sold and reverse repurchase $ 0.01 million
Net loans and leases $ 2.21 billion
Loan loss allowance $ 18.14 million
Trading account assets $ 13.06 million
Bank premises and fixed assets N.A.
Other real estate owned $ 3.89 million
Goodwill and other intangibles $ 53.93 million
All other assets $ 57.10 million
     Total Assets $ 2.80 billion

LIABILITIES
Total deposits $ 2.59 billion
      Interest-bearing deposits $ 1,879.03 million
      Deposits held in domestic offices $ 2.59 billion
      % insured (estimated) 64.34%
Federal funds purchased and repurchase agreements $ 25.10 million
Trading liabilities $ 13.04 million
Other borrowed funds $ 121.44 million
Subordinated debt N.A.
All other liabilities $ 10.90 millionn
      Total Liabilities $ 2.80 billion
      Shareholders’ Equity $ 304.10 million

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 71.00 million
Total Interest Expense $ 24.37 million
Net interest income $ 46.63 million
Provision for loan and lease losses $ 3.13 million
Total non interest income $ 6.18 million
Total non interest expense $ 19.56 million
Pre-tax Net Operating Income $ 17.48 million

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Branches

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Wheaton Bank & Trust, National Association Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    Wheaton Bank & Trust, National Association
    Bank
    ILLINOIS
    $50,000
    6 Month
    0.04%
    0.12x (National Avg. - 0.32%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 20 14
    2 50,020 20 14
    3 50,040 20 14
    4 50,060 20 14
    5 50,080 20 14
    6 50,100 20 14
    7 50,120 20 14
    8 50,140 20 14
    9 50,160 20 14
    10 50,180 20 14
    11 50,200 20 14
    12 50,220 20 14
    13 50,241 20 14
    14 50,261 20 14
    15 50,281 20 14
    16 50,301 20 14
    17 50,321 20 14
    18 50,341 20 14
    19 50,361 20 14
    20 50,381 20 14
    TOTAL $402 $281
  • 2
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    60 Month
    4.00%
    4.63x (National Avg. - 0.86%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 3
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    24 Month
    4.30%
    7.15x (National Avg. - 0.60%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,150 1,505
    2 52,150 2,242 1,570
    3 54,392 2,339 1,637
    4 56,731 2,439 1,708
    5 59,171 2,544 1,781
    6 61,715 2,654 1,858
    7 64,369 2,768 1,938
    8 67,137 2,887 2,021
    9 70,024 3,011 2,108
    10 73,035 3,140 2,198
    11 76,175 3,276 2,293
    12 79,451 3,416 2,391
    13 82,867 3,563 2,494
    14 86,430 3,717 2,602
    15 90,147 3,876 2,713
    16 94,023 4,043 2,830
    17 98,066 4,217 2,952
    18 102,283 4,398 3,079
    19 106,681 4,587 3,211
    20 111,268 4,785 3,349
    TOTAL $66,053 $46,237
  • 4
    LOCAL CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    5.00%
    10.27x (National Avg. - 0.49%)
    $2,500
    -
    SCENARIO
    Year Rate
    5.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,500 1,750
    2 52,500 2,625 1,838
    3 55,125 2,756 1,929
    4 57,881 2,894 2,026
    5 60,775 3,039 2,127
    6 63,814 3,191 2,233
    7 67,005 3,350 2,345
    8 70,355 3,518 2,462
    9 73,873 3,694 2,586
    10 77,566 3,878 2,715
    11 81,445 4,072 2,851
    12 85,517 4,276 2,993
    13 89,793 4,490 3,143
    14 94,282 4,714 3,300
    15 98,997 4,950 3,465
    16 103,946 5,197 3,638
    17 109,144 5,457 3,820
    18 114,601 5,730 4,011
    19 120,331 6,017 4,212
    20 126,348 6,317 4,422
    TOTAL $82,665 $57,865
  • 5
    LOCAL CD
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    18 Month
    4.75%
    9.00x (National Avg. - 0.53%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,375 1,663
    2 52,375 2,488 1,741
    3 54,863 2,606 1,824
    4 57,469 2,730 1,911
    5 60,199 2,859 2,002
    6 63,058 2,995 2,097
    7 66,053 3,138 2,196
    8 69,191 3,287 2,301
    9 72,477 3,443 2,410
    10 75,920 3,606 2,524
    11 79,526 3,777 2,644
    12 83,304 3,957 2,770
    13 87,261 4,145 2,901
    14 91,406 4,342 3,039
    15 95,747 4,548 3,184
    16 100,295 4,764 3,335
    17 105,059 4,990 3,493
    18 110,050 5,227 3,659
    19 115,277 5,476 3,833
    20 120,753 5,736 4,015
    TOTAL $76,488 $53,542
  • 6
    LOCAL CD
    Forbright Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    12 Month
    5.65%
    11.60x (National Avg. - 0.49%)
    $1,000
    -
    SCENARIO
    Year Rate
    5.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,825 1,978
    2 52,825 2,985 2,089
    3 55,810 3,153 2,207
    4 58,963 3,331 2,332
    5 62,294 3,520 2,464
    6 65,814 3,718 2,603
    7 69,532 3,929 2,750
    8 73,461 4,151 2,905
    9 77,611 4,385 3,070
    10 81,997 4,633 3,243
    11 86,629 4,895 3,426
    12 91,524 5,171 3,620
    13 96,695 5,463 3,824
    14 102,158 5,772 4,040
    15 107,930 6,098 4,269
    16 114,028 6,443 4,510
    17 120,471 6,807 4,765
    18 127,277 7,191 5,034
    19 134,469 7,597 5,318
    20 142,066 8,027 5,619
    TOTAL $100,093 $70,065


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