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Forest Park National Bank and Trust Company

$100M-$1B Specialty: Commercial IL FDIC cert 15945

Forest Park, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.3% year over year ($288.0M on the books).
  • Delinquency rate 2.51%.
  • Return on assets 0.91%.
  • Efficiency ratio 77.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Forest Park National Bank and Trust Company has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 22.1% in tier
  • - Flatlined Growth: Bottom 31.2% in tier
  • - Delinquency Rate 1.60% above tier average
  • - Nonperforming Asset Ratio 1.28% above tier average
  • - ROA 0.41% below tier average
  • - Efficiency Ratio 13.48% above tier average
Get updates when Forest Park National Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $322.4M
+0.3% YoY +0.6% QoQ
-$64.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $249.8M
+0.1% YoY +2.3% QoQ
-$8.6M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $288.0M
+1.3% YoY +0.5% QoQ
-$38.7M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.91%
+40.3% YoY -2.6% QoQ
-0.41% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 4.23%
+9.8% YoY -0.5% QoQ
+0.24% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 77.95%
-3.9% YoY +1.0% QoQ
+13.48% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 2.51%
-9.3% YoY -4.5% QoQ
+1.60% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 8.7% in tier
Loan-to-Deposit Ratio ? 86.73%
-1.1% YoY +1.8% QoQ
+8.77% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 20.58%
-5.0% YoY +0.2% QoQ
-1.45% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 1.95%
-9.4% YoY -2.9% QoQ
+1.28% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 7.7% in tier
Tier 1 Capital Ratio ? 10.62%
+2.8% YoY -1.3% QoQ
-5.28% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.11%
+15.0% YoY +93.4% QoQ
-0.45% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 20.6%
-1.1pp YoY
0.0pp QoQ
 -1.6pp 22.1% 20.1% 22.2% 48%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 4.5%
+0.4pp YoY
0.0pp QoQ
 -7.0pp 11.6% 14.7% 12.5% 17%
CRE 68.3%
-0.9pp YoY
-0.2pp QoQ
 +28.8pp 39.5% 37.9% 41.4% 92%
1-4 Family 27.4%
+0.7pp YoY
+0.1pp QoQ
 -5.2pp 32.6% 28.3% 31.3% 45%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.4% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 10.6%
+0.3pp YoY
-0.2pp QoQ
 -8.2pp 18.8% 19.9% 19.7% 6%
Leverage Ratio 8.3%
+0.2pp YoY
0.0pp QoQ
 -3.8pp 12.2% 12.2% 12.6% 4%
Total Capital Ratio 11.9%
+0.3pp YoY
-0.2pp QoQ
 -8.1pp 19.9% 20.9% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 50
0 YoY
0 QoQ
 -9 58 228 482 53%
Assets per Employee ($) $6.4M
+0.3% YoY
+0.6% QoQ
 -$1.1M $7.5M $8.3M $8.8M 41%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 2.5%
-0.3pp YoY
-0.1pp QoQ
 +1.6pp 0.9% 1.1% 1.0% 91%
Allowance Coverage 0.49x
+14.2% YoY
+2.5% QoQ
 -23.67x 24.15x 5.62x 20.23x 10%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 11.6%
+2.3pp YoY
-0.3pp QoQ
 -0.6pp 12.2% 10.5% 11.6% 47%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 39%
Net Income ($, YTD) $1.5M
+39.3% YoY
— QoQ
 -$1.1M $2.6M $11.7M $40.4M 41%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#147 of 661 • Bottom 22.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.62%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Flatlined Growth

risk
#166 of 529 • Bottom 31.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.91%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2440
Nonperforming Asset Ratio
credit_quality
Value: 1.95%
Peer Median: 0.67%
#2440 of 2643 Bottom 7.7% in $100M-$1B
2404
Delinquency Rate
credit_quality
Value: 2.51%
Peer Median: 0.92%
#2404 of 2633 Bottom 8.7% in $100M-$1B
2215
Efficiency Ratio
profitability
Value: 77.95%
Peer Median: 64.48%
#2215 of 2643 Bottom 16.2% in $100M-$1B
2151
Tier 1 Capital Ratio
capital
Value: 10.62%
Peer Median: 15.91%
#2151 of 2643 Bottom 18.7% in $100M-$1B
2044
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2044 of 2643 Bottom 22.7% in $100M-$1B
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