Bank · FDIC insured
Wheaton Bank & Trust Company, N.A.
A $4.8B bank, the 290th largest of 4,207, headquartered in Wheaton, IL, with 8 branches in Illinois. Best rates: CDs 4.00% and savings 2.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings892.00%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wheaton Bank & Trust Company, N.A.
Wheaton Bank & Trust Company, N.A. operates as part of the Wintrust Community Bank network, which has more than 200 locations.
Wintrust was founded in 1991 to provide an alternative to big banks.
- Headquarters
- 100 N Wheaton Ave, Wheaton, IL 60187
- FDIC certificate
- 33803 ↗
Branches
8 branches in Illinois
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Illinois
8 branches
- Wheaton Bank & Trust, National AssociationMain office100 N Wheaton Ave, Wheaton, IL 60187Directions
- Bolingbrook Branch198 S Bolingbrook Dr, Bolingbrook, IL 60440Directions
- Community Bank Wheaton Branch357 Roosevelt Rd, Glen Ellyn, IL 60137Directions
- Lombard Bank & Trust Branch1145 S Main St, Lombard, IL 60148Directions
- Downtown Naperville Branch5 South Washington St., Naperville, IL 60540Directions
- Naperville Fort Hill Branch555 Fort Hill Dr, Naperville, IL 60540Directions
- South Naperville Branch1205 S Naper Blvd, Naperville, IL 60540Directions
- County Farm Road Branch370 S County Farm Rd, Wheaton, IL 60187Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.10% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.53% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.60% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $78 | $88 | — |
- CapitalLeverage ratio9.10%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.53%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.60%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$78Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wheaton Bank & Trust Company, N.A. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.