West Town Bank & Trust
North Riverside, IL
IDRSSD: 857576
Total Assets
$518.40M
Latest filing
Total Deposits
$453.93M
Latest filing
Net Interest Margin
4.62%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60546 |
| State and County Number | 17031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 44 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 28151 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $518.40M |
| Total Deposits | $453.93M |
| Total Liabilities | $456.56M |
| Total Equity Capital | $61.84M |
| Net Income | $1.65M |
| Net Loans and Leases | $416.82M |
| Assets Per Employee ($Millions) | $11.78M |
| Bank Premises and Fixed Assets | $3.64M |
| Cash and Balances due from Depository Institutions | $77.85M |
| Deposits Held in Domestic Offices | $453.93M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 11.01% |
| Net Interest Margin | 4.62% |
| Efficiency Ratio | 77.24% |
| Tier 1 Risk-Based Capital Ratio | 14.154% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.929% |
| Earning Assets to total Assets | 94.38% |
Income and Expense
| Total Interest Income | $9.76M |
| Total Noninterest Income | $1.35M |
| Total Interest Expense | $4.12M |
| Total Noninterest Expense | $5.40M |
| Net Interest Income | $5.64M |
| Pre-tax Net Operating Income | $1.79M |
| Provision for Credit Losses | $-200,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.63M |
| Total Liabilities and Capital | $518.40M |
Securities
| Securities | $1.02M |
| Available-for-sale debt securities | $1.02M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Town Bank & Trust?
$518.40M as of the latest filing.
How much are West Town Bank & Trust's total deposits?
$453.93M in total deposits.
Where is West Town Bank & Trust located?
North Riverside, IL.
What is the Net Interest Margin?
4.62%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1922.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$416.82M (latest filing).
What is the total interest income (latest filing)?
$9.76M.