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Lake Forest Bank & Trust Company, National Association

Lake Forest, IL · Cert 27589 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 10 branches (213 in holding)

Q2 2026

$9.3BAssets
$6.9BLoans
$7.1BDeposits
$878.8MEquity
Loan mix
26%RE $1.7B64%C&I $4.1B10%Consumer $0.7BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $5.4B24%Noninterest $1.7BQ2 2025Q2 2026

NIM

6.05%Q2 ’245.53%Q2 ’255.31%Q2 ’26-7%-1%

Non-interest income vs. expense

2.33%Q2 ’242.22%Q2 ’252.30%Q2 ’26-149%+74%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 1.1% share · #16 of 147 inst. · $6.9B of $630.7B

22.2% Lake
0.7% Collier
0.4% Lee

Executive Summary

  • Earnings: ROA of 2.26%, down 20 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.34% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.93%, up 41 bps from a year ago.
  • Funding: loans stand at 97.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.26%-20 bps YoY

Net Interest Margin (quarter, annualized)

3.25%-5 bps YoY

Efficiency Ratio (quarter, annualized)

41.32%+148 bps YoY

Tier 1 Leverage Ratio

9.93%+41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.45%2.19%2.15%1.74%2.26%-20 bps
Return on Equity27.04%24.47%23.56%18.59%23.65%-339 bps
Net Interest Margin3.30%3.16%3.20%3.18%3.25%-5 bps
Efficiency Ratio39.84%42.29%40.19%43.46%41.32%+148 bps
Non-Interest Burden-0.05%0.12%0.07%0.22%-0.01%+4 bps
Growth
Asset Growth (YoY)11.29%10.52%10.91%3.14%-3.07%-1,436 bps
Loan Growth (YoY)9.54%8.52%11.03%11.89%6.21%-333 bps
Deposit Growth (YoY)16.18%18.00%14.85%2.68%-2.45%-1,862 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.33%0.35%0.35%0.34%+4 bps
Net Charge-Offs / Loans0.09%0.15%0.09%0.05%0.00%-10 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.52%9.19%9.09%9.57%9.93%+41 bps
Total Risk-Based Capital11.98%11.78%11.70%11.89%12.02%+4 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits89.37%92.09%94.49%99.70%97.31%+794 bps
Liquid Assets / Assets5.91%5.96%5.72%5.84%5.55%-36 bps
CRE / Total Capitaln/an/an/an/an/an/an/a