PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.7BQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $5.4B24%Noninterest $1.7BQ3 2024Q2 2026

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 1.99%, down 23 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.34% of loans (+4 bps YoY), with net charge-offs at 0.03%.
  • 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.

Return on Assets (YTD, annualized)

1.99%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+4 bps YoY

Efficiency Ratio (YTD, annualized)

42.36%+94 bps YoY

Tier 1 Leverage Ratio

9.93%+41 bps YoY

NIM

5.76%Q2 ’245.37%Q2 ’255.30%Q2 ’26-7%+1%

Non-interest income vs. expense

2.34%Q2 ’242.21%Q2 ’252.30%Q2 ’26-65%+61%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.22%2.18%1.99%2.21%2.22%2.20%1.74%1.99%-23 bps
Return on Equity23.32%23.03%21.40%24.28%24.44%24.18%18.59%21.10%-318 bps
Net Interest Margin3.35%3.30%3.20%3.19%3.14%3.06%3.18%3.24%+4 bps
Efficiency Ratio42.48%42.78%43.15%41.42%41.71%41.32%43.46%42.36%+94 bps
Non-Interest Burden0.21%0.22%0.19%0.06%0.08%0.07%0.22%0.10%+4 bps
Growth
Asset Growth (YoY)2.45%4.92%12.63%11.29%10.52%10.91%3.14%-3.07%-1,436 bps
Loan Growth (YoY)8.38%8.23%7.70%9.54%8.52%11.03%11.89%6.21%-333 bps
Deposit Growth (YoY)-1.89%4.35%16.40%16.18%18.00%14.85%2.68%-2.45%-1,862 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.34%0.33%0.30%0.33%0.35%0.35%0.34%+4 bps
Net Charge-Offs / Loans0.18%0.15%0.02%0.05%0.09%0.08%0.05%0.03%-3 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.13%9.70%9.61%9.52%9.19%9.09%9.57%9.93%+41 bps
Total Risk-Based Capital12.24%11.77%12.34%11.98%11.78%11.70%11.89%12.02%+4 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits100.13%97.75%91.49%89.37%92.09%94.49%99.70%97.31%+794 bps
Liquid Assets / Assets7.10%6.89%6.58%5.91%5.96%5.72%5.84%5.55%-36 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a