Barrington Bank & Trust Company, National Association
Barrington, IL · Cert 34395 · 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 · 9 branches (213 in holding)
Q2 2026
$5.2BAssets
$3.9BLoans
$4.1BDeposits
$527.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 52% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 15 of 31).
- Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 31).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.21%
Rank 21 of 31
Net Interest Margin
2.94%
Rank 27 of 31
Efficiency Ratio
68.38%
Rank 26 of 31
Equity / Assets
10.22%
Rank 15 of 31
Non-interest income vs. expense
Unfavorable gap of $55.9M · efficiency ratio beats 19% 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 | 1.21% | 1.15% | 1.39% | 1.64% | Beats 32% | 21 / 31 | |
| Return on Equity | 11.89% | 11.05% | 13.35% | 16.66% | Beats 32% | 21 / 31 | |
| Net Interest Margin | 2.94% | 3.00% | 3.28% | 3.75% | Beats 13% | 27 / 31 | |
| Efficiency Ratio | 68.38% | 37.25% | 50.71% | 61.60% | Beats 19% | 26 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.75% | 0.18% | 0.41% | 1.00% | Beats 3% | 31 / 31 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.04% | 0.11% | Beats 45% | 18 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 10.91% | 10.88% | 11.50% | 13.72% | Beats 26% | 23 / 31 | |
| Total Risk-Based Capital Ratio | 11.53% | 11.53% | 12.02% | 14.77% | Beats 23% | 24 / 31 | |
| Equity / Assets | 10.22% | 8.90% | 10.15% | 11.24% | Beats 52% | 15 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 94.16% | 80.56% | 87.67% | 94.53% | 71st pctl | 9 / 31 | |
| Loans / Assets | 75.47% | 67.81% | 73.77% | 76.85% | 65th pctl | 11 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |