Northbrook Bank & Trust Company, National Association
Northbrook, IL · Cert 57082 · 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 · 7 branches (213 in holding)
Q2 2026
$6.4BAssets
$4.5BLoans
$5.4BDeposits
$531.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
- Widest gap: net interest margin trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.41%
Rank 14 of 31
Net Interest Margin
2.82%
Rank 30 of 31
Efficiency Ratio
29.48%
Rank 1 of 31
Equity / Assets
8.35%
Rank 29 of 31
Non-interest income vs. expense
Unfavorable gap of $33.1M · efficiency ratio beats 100% 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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 1.15% | 1.39% | 1.64% | Beats 55% | 14 / 31 | | |
| Return on Equity | 16.92% | 11.05% | 13.35% | 16.66% | Beats 81% | 6 / 31 | | |
| Net Interest Margin | 2.82% | 3.00% | 3.28% | 3.75% | Beats 3% | 30 / 31 | | |
| Efficiency Ratio | 29.48% | 37.25% | 50.71% | 61.60% | Beats 100% | 1 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.18% | 0.41% | 1.00% | Beats 74% | 9 / 31 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.04% | 0.11% | Beats 35% | 21 / 31 | | |
| Capital |
| Tier 1 Capital Ratio | 11.16% | 10.88% | 11.50% | 13.72% | Beats 42% | 18 / 31 | | |
| Total Risk-Based Capital Ratio | 11.84% | 11.53% | 12.02% | 14.77% | Beats 42% | 18 / 31 | | |
| Equity / Assets | 8.35% | 8.90% | 10.15% | 11.24% | Beats 6% | 29 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.23% | 80.56% | 87.67% | 94.53% | 32nd pctl | 21 / 31 | | |
| Loans / Assets | 70.06% | 67.81% | 73.77% | 76.85% | 32nd pctl | 21 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |