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Lake Forest Bank & Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 27589

Lake Forest, IL

10 branches across IL · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
  • Deposits -2.7% year over year ($7.3B on the books).
  • Delinquency rate 0.34%.
  • Return on assets 1.99%.
  • Efficiency ratio 42.36% vs a 59.73% peer average.
  • Loan-to-deposit ratio 94.16% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in IL
View $1B-$10B leaderboard (IL) →

Lake Forest Bank & Trust Company, National Association has 4 strengths but faces 7 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

  • + Revenue Diversifier: Top 11.3% in tier
  • + Efficiency Ratio 17.37% below tier average
  • + ROA 0.60% above tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 7.7% in tier
  • - Deposit Outflow: Bottom 16.0% in tier
  • - Credit Quality Pressure: Bottom 16.1% in tier
  • - Credit Risk Growth: Bottom 22.6% in tier
  • - Liquidity Strain: Bottom 31.9% in tier
  • - Margin Compression: Bottom 41.2% in tier
  • - Net Interest Margin 0.48% below tier average
Get updates when Lake Forest Bank & Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $9.3B
-3.1% YoY +2.8% QoQ
+$6.5B $2.8B
-0.6% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 1.4% in tier
Total Loans ? $6.9B
+6.1% YoY +1.5% QoQ
+$4.9B $2.0B
-0.3% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 1.4% in tier
Total Deposits ? $7.3B
-2.7% YoY +4.2% QoQ
+$5.0B $2.3B
-0.5% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 2.4% in tier
Return on Assets ? 1.99%
-10.2% YoY +14.0% QoQ
+0.60% 1.39%
+17.0% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 12.2% in tier
Net Interest Margin ? 3.39%
-3.3% YoY +0.4% QoQ
-0.48% 3.87%
+6.2% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 42.36%
+2.3% YoY -2.5% QoQ
-17.37% 59.73%
-12.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 9.2% in tier
Delinquency Rate ? 0.34%
+12.4% YoY -2.0% QoQ
-0.52% 0.87%
+11.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 94.16%
+9.0% YoY -2.6% QoQ
+9.12% 85.04%
-0.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 25.46%
-4.0% YoY +6.4% QoQ
+4.18% 21.27%
-1.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.26%
+22.5% YoY -3.2% QoQ
-0.41% 0.67%
+11.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 11.16%
-1.0% YoY +1.1% QoQ
-3.68% 14.84%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 1.07%
+5.9% YoY +105.4% QoQ
+0.54% 0.53%
+2.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 5.6% in tier

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 25.5%
-1.1pp YoY
+1.5pp QoQ
 +4.1pp 21.4% 20.1% 22.2% 72%
Brokered Deposits 13.5%
+2.1pp YoY
+0.7pp QoQ
 +4.1pp 9.5% 8.0% 8.5% 79%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 59.2%
-4.8pp YoY
-1.1pp QoQ
 +45.2pp 14.0% 14.7% 12.5% 99%
CRE 19.6%
+1.2pp YoY
+0.1pp QoQ
 -30.4pp 50.0% 37.9% 41.4% 4%
1-4 Family 5.2%
+0.2pp YoY
0.0pp QoQ
 -21.2pp 26.4% 28.3% 31.3% 7%
Consumer 9.9%
-0.3pp YoY
+0.2pp QoQ
 +5.1pp 4.7% 5.4% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 11.2%
-0.1pp YoY
+0.1pp QoQ
 -4.4pp 15.6% 19.9% 19.7% 12%
Leverage Ratio 9.9%
+0.4pp YoY
+0.4pp QoQ
 -1.4pp 11.3% 12.2% 12.6% 35%
Total Capital Ratio 12.0%
0.0pp YoY
+0.1pp QoQ
 -4.7pp 16.7% 20.9% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 803
+17 (+2.2%) YoY
+10 (+1.3%) QoQ
 +489 313 228 482 95%
Assets per Employee ($) $11.5M
-5.1% YoY
+1.5% QoQ
 +$1.0M $10.5M $8.3M $8.8M 75%
Branch Count 10
0 YoY
0 QoQ
 -10 20 10 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 49%
Nonaccrual 0.3%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.8% 1.1% 1.0% 33%
Allowance Coverage 2.43x
+8.1% YoY
+6.7% QoQ
 -16.28x 18.71x 5.62x 20.23x 57%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 21.1%
-3.2pp YoY
+2.5pp QoQ
 +8.5pp 12.6% 10.5% 11.6% 92%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.6% 1.7% 69%
Net Income ($, YTD) $91.6M
-7.2% YoY
— QoQ
 +$72.3M $19.2M $11.7M $40.4M 98%

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 (1)

Revenue Diversifier

growth
#26 of 222 • Top 11.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.07%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.99%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (6)

Capital Thin

risk
#18 of 222 • Bottom 7.7% 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: 11.16%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#22 of 131 • Bottom 16.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ

Credit Quality Pressure

risk
#80 of 492 • Bottom 16.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.34%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#92 of 402 • Bottom 22.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#116 of 361 • Bottom 31.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.16%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline
#36 of 85 • Bottom 41.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.99%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

13
Total Assets
size
Value: $9.25B
Peer Median: $2.79B
#13 of 885 Top 1.4% in $1B-$10B
13
Total Loans
size
Value: $6.86B
Peer Median: $1.96B
#13 of 885 Top 1.4% in $1B-$10B
22
Total Deposits
size
Value: $7.28B
Peer Median: $2.32B
#22 of 885 Top 2.4% in $1B-$10B
51
Non-Interest Income / Assets
revenue_mix
Value: 1.07%
Peer Median: 0.53%
#51 of 885 Top 5.6% in $1B-$10B
82
Efficiency Ratio
profitability
Value: 42.36%
Peer Median: 59.73%
#82 of 885 Top 9.2% in $1B-$10B
109
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.39%
#109 of 885 Top 12.2% in $1B-$10B

Top Weaknesses (1 metrics)

704
Tier 1 Capital Ratio
capital
Value: 11.16%
Peer Median: 14.84%
#704 of 885 Bottom 20.6% in $1B-$10B
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