West Town Bank&Trust
North Riverside, Illinois · FDIC Cert #28151
This is the FDIC profile for West Town Bank&Trust, an FDIC-insured bank (Certificate #28151) with $512M in total assets and $405M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in North Riverside, Illinois, the bank maintains a Tier 1 capital ratio of 13.54% (Well-Capitalized) and a nonperforming loan ratio of 3.93%. BankHealthData assigns a composite Health Grade of D (49/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
West Town Bank&Trust (FDIC cert 28151) is a community bank — $512M in total assets, $405M in deposits, serving the North Riverside, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.54% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.93% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 11.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 0.91% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. West Town Bank&Trust carries a composite BankHealth grade of D (49/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: West Town Bank&Trust
- Total Assets
- $512M
- Total Deposits
- $405M
- Tier 1 Capital Ratio
- 13.54%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.93%
- Liquidity Ratio
- 11.27%
- Return on Assets
- 0.91%
- Headquarters
- North Riverside, Illinois
- FDIC Certificate
- #28151
- Health Grade
- D (49/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
West Town Bank&Trust files quarterly Call Reports with the FDIC under Certificate #28151. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, West Town Bank&Trust holds a Tier 1 capital ratio of 13.54%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning West Town Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
West Town Bank&Trust shows some financial weakness with a Health Score of 49/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How West Town Bank&Trust Compares
West Town Bank&Trust’s Health Score of 49 is 32 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 13.54% Tier 1 capital ratio is 0.5 points below the US banking industry average near 14%. The 3.93% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.91% is below the national ROA benchmark of ~1.1%. Among 1450 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, West Town Bank&Trust is 31 points below the portfolio average of 80.
Frequently Asked Questions
West Town Bank&Trust has a Bank Health Score of D (49/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 13.54%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. West Town Bank&Trust's Tier 1 capital ratio of 13.54% and nonperforming loan ratio of 3.93% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at West Town Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28151). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
West Town Bank&Trust holds $512M in total assets and $405M in total deposits. It is headquartered in North Riverside, Illinois (FDIC Certificate #28151).
West Town Bank&Trust's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #28151 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
West Town Bank&Trust has a Tier 1 capital ratio of 13.54%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.93%, and the return on assets is 0.91%.
Yes. West Town Bank&Trust is FDIC-insured (Certificate #28151). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
West Town Bank&Trust shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.