BlastPoint's Banking Scorecard

Lake Forest Bank & Trust Company, National Association

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

Lake Forest, IL

10 branches across IL · FL

884 banks in the $1B-$10B peer group nationally 50 in IL

Lake Forest Bank & Trust Company, National Association has 4 strengths but faces 4 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 15.4% in tier
+ Efficiency Ratio 17.60% below tier average
+ ROA 0.38% above tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.7% in tier
- Capital Thin: Bottom 29.4% in tier
- Margin Compression: Bottom 56.0% in tier
- Net Interest Margin 0.44% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$9.0B +3.1% YoY -4.1% QoQ	+$6.2B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 2.4% in tier
Total Loans ?	$6.8B +11.9% YoY -0.3% QoQ	+$4.8B	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 1.8% in tier
Total Deposits ?	$7.0B +2.6% YoY -5.1% QoQ	+$4.6B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 3.6% in tier
Return on Assets ?	1.74% -12.1% YoY -20.9% QoQ	+0.38%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	3.38% -4.6% YoY -3.2% QoQ	-0.44%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	43.46% +0.7% YoY +5.2% QoQ	-17.60%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 9.7% in tier
Delinquency Rate ?	0.35% +6.6% YoY -1.1% QoQ	-0.54%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	96.63% +9.0% YoY +5.1% QoQ	+12.43%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	23.93% -9.1% YoY -5.9% QoQ	+2.64%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.27% +15.1% YoY +2.9% QoQ	-0.40%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	11.04% -4.3% YoY +0.4% QoQ	-4.12%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.52% +0.3% YoY -74.7% QoQ	+0.26%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 5.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#35 of 221 • Top 15.4% 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: 0.52%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.74%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk

#66 of 513 • Bottom 12.7% in tier

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

Why this signature

Delinquency Rate: 0.35%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk

#66 of 221 • Bottom 29.4% 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: 11.04%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Margin Compression

decline

#48 of 84 • Bottom 56.0% 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: 1.74%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Total Loans

size

Value: $6.75B

Peer Median: $1.96B

#17 of 884 Top 1.8% in $1B-$10B

Total Assets

size

Value: $9.00B

Peer Median: $2.82B

#22 of 884 Top 2.4% in $1B-$10B

Total Deposits

size

Value: $6.99B

Peer Median: $2.34B

#33 of 884 Top 3.6% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.26%

#53 of 884 Top 5.9% in $1B-$10B

Efficiency Ratio

profitability

Value: 43.46%

Peer Median: 61.06%

#87 of 884 Top 9.7% in $1B-$10B

162

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.37%

#162 of 884 Top 18.2% in $1B-$10B

Top Weaknesses (2 metrics)

728

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.16%

#728 of 884 Bottom 17.8% in $1B-$10B

700

Loan-to-Deposit Ratio

liquidity

Value: 96.63%

Peer Median: 84.20%

#700 of 884 Bottom 20.9% in $1B-$10B