West Town Bank&Trust
North Riverside, Illinois · FDIC Cert #28151
West Town Bank&Trust is an FDIC-insured bank (Certificate #28151) with $512M in total assets and $405M in total deposits as of the Q2 2024 Call Report. 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). 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
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 23 points below the Illinois state average of 72 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 1449 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, West Town Bank&Trust is 21 points below the portfolio average of 70.
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 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.