Lake Forest Bank & Trust Company, National Association
Lake Forest, IL · Cert 27589 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 10 branches (213 in holding)
Q2 2026
$9.3BAssets
$6.9BLoans
$7.1BDeposits
$878.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
- Widest gap: equity / assets trails 68% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 21 of 31).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.98%
Rank 2 of 31
Net Interest Margin
3.24%
Rank 17 of 31
Efficiency Ratio
42.37%
Rank 11 of 31
Equity / Assets
9.50%
Rank 21 of 31
Non-interest income vs. expense
Unfavorable gap of $9.3M · efficiency ratio beats 68% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.98% | 1.15% | 1.39% | 1.64% | Beats 94% | 2 / 31 | |
| Return on Equity | 20.84% | 11.05% | 13.35% | 16.66% | Beats 97% | 1 / 31 | |
| Net Interest Margin | 3.24% | 3.00% | 3.28% | 3.75% | Beats 45% | 17 / 31 | |
| Efficiency Ratio | 42.37% | 37.25% | 50.71% | 61.60% | Beats 68% | 11 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.18% | 0.41% | 1.00% | Beats 65% | 12 / 31 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.04% | 0.11% | Beats 58% | 14 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 11.16% | 10.88% | 11.50% | 13.72% | Beats 39% | 19 / 31 | |
| Total Risk-Based Capital Ratio | 12.02% | 11.53% | 12.02% | 14.77% | Beats 48% | 16 / 31 | |
| Equity / Assets | 9.50% | 8.90% | 10.15% | 11.24% | Beats 32% | 21 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 97.31% | 80.56% | 87.67% | 94.53% | 90th pctl | 3 / 31 | |
| Loans / Assets | 74.73% | 67.81% | 73.77% | 76.85% | 58th pctl | 13 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |