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Barrington Bank & Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 34395

Barrington, IL

9 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
  • Deposits +15.0% year over year ($4.1B on the books).
  • Delinquency rate 4.78%.
  • Return on assets 1.27%.
  • Efficiency ratio 68.38% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.57% 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) →

Barrington Bank & Trust Company, National Association 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

  • + Revenue Diversifier: Top 23.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 27.4% in tier
  • - Credit Risk Growth: Bottom 35.6% in tier
  • - Nonperforming Asset Ratio 2.92% above tier average
  • - ROA 0.12% below tier average
  • - Net Interest Margin 0.63% below tier average
  • - Efficiency Ratio 8.65% above tier average
Get updates when Barrington 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 ? $5.2B
+10.4% YoY +4.8% QoQ
+$2.4B $2.8B
-0.6% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 13.9% in tier
Total Loans ? $3.9B
+5.5% YoY +0.6% QoQ
+$1.9B $2.0B
-0.3% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 12.7% in tier
Total Deposits ? $4.1B
+15.0% YoY +7.8% QoQ
+$1.8B $2.3B
-0.5% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 13.9% in tier
Return on Assets ? 1.27%
+28.3% YoY +7.1% QoQ
-0.12% 1.39%
+17.0% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.24%
+2.7% YoY +1.0% QoQ
-0.63% 3.87%
+6.2% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 68.38%
-5.8% YoY -0.8% QoQ
+8.65% 59.73%
-12.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 4.78%
+5.7% YoY -7.4% QoQ
+3.91% 0.87%
+11.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 1.0% in tier
Loan-to-Deposit Ratio ? 93.57%
-8.3% YoY -6.6% QoQ
+8.53% 85.04%
-0.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 17.70%
-13.3% YoY -9.8% QoQ
-3.58% 21.27%
-1.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 3.60%
+0.9% YoY -11.1% QoQ
+2.92% 0.67%
+11.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 1.2% in tier
Tier 1 Capital Ratio ? 10.91%
-1.8% YoY +0.5% QoQ
-3.94% 14.84%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 1.35%
+0.2% YoY +93.9% QoQ
+0.82% 0.53%
+2.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 4.5% 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 17.7%
-2.7pp YoY
-1.9pp QoQ
 -3.7pp 21.4% 20.1% 22.2% 38%
Brokered Deposits 11.2%
-0.7pp YoY
0.0pp QoQ
 +1.7pp 9.5% 8.0% 8.5% 72%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 41.8%
-6.6pp YoY
-0.8pp QoQ
 +27.8pp 14.0% 14.7% 12.5% 96%
CRE 17.4%
+1.0pp YoY
-0.5pp QoQ
 -32.6pp 50.0% 37.9% 41.4% 2%
1-4 Family 26.3%
+2.9pp YoY
+0.6pp QoQ
 -0.1pp 26.4% 28.3% 31.3% 58%
Consumer 9.6%
-0.9pp YoY
0.0pp QoQ
 +4.9pp 4.7% 5.4% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 10.9%
-0.2pp YoY
+0.1pp QoQ
 -4.7pp 15.6% 19.9% 19.7% 8%
Leverage Ratio 10.1%
-0.8pp YoY
-0.4pp QoQ
 -1.2pp 11.3% 12.2% 12.6% 38%
Total Capital Ratio 11.5%
-0.1pp YoY
0.0pp QoQ
 -5.2pp 16.7% 20.9% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 703
-36 (-4.9%) YoY
-14 (-2.0%) QoQ
 +389 313 228 482 93%
Assets per Employee ($) $7.3M
+16.1% YoY
+6.9% QoQ
 -$3.1M $10.5M $8.3M $8.8M 28%
Branch Count 9
0 YoY
0 QoQ
 -11 20 10 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 4.1%
-0.1pp YoY
-0.3pp QoQ
 +3.9pp 0.2% 0.4% 0.4% 100%
Nonaccrual 0.7%
+0.3pp YoY
-0.1pp QoQ
 -0.1pp 0.8% 1.1% 1.0% 63%
Allowance Coverage 0.13x
+12.2% YoY
+8.1% QoQ
 -18.58x 18.71x 5.62x 20.23x 0%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 12.0%
+3.1pp YoY
+1.0pp QoQ
 -0.6pp 12.6% 10.5% 11.6% 49%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.6% 1.7% 69%
Net Income ($, YTD) $31.4M
+40.5% YoY
— QoQ
 +$12.1M $19.2M $11.7M $40.4M 83%

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
#54 of 222 • Top 23.9% 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: 1.35%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.27%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#100 of 361 • Bottom 27.4% 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: 93.57%
(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

Credit Risk Growth

risk
#144 of 402 • Bottom 35.6% 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

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 (4 metrics)

41
Non-Interest Income / Assets
revenue_mix
Value: 1.35%
Peer Median: 0.53%
#41 of 885 Top 4.5% in $1B-$10B
113
Total Loans
size
Value: $3.87B
Peer Median: $1.96B
#113 of 885 Top 12.7% in $1B-$10B
124
Total Assets
size
Value: $5.17B
Peer Median: $2.79B
#124 of 885 Top 13.9% in $1B-$10B
124
Total Deposits
size
Value: $4.14B
Peer Median: $2.32B
#124 of 885 Top 13.9% in $1B-$10B

Top Weaknesses (5 metrics)

874
Delinquency Rate
credit_quality
Value: 4.78%
Peer Median: 0.87%
#874 of 882 Bottom 1.0% in $1B-$10B
875
Nonperforming Asset Ratio
credit_quality
Value: 3.60%
Peer Median: 0.67%
#875 of 885 Bottom 1.2% in $1B-$10B
739
Tier 1 Capital Ratio
capital
Value: 10.91%
Peer Median: 14.84%
#739 of 885 Bottom 16.6% in $1B-$10B
680
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 3.87%
#680 of 885 Bottom 23.3% in $1B-$10B
672
Efficiency Ratio
profitability
Value: 68.38%
Peer Median: 59.73%
#672 of 885 Bottom 24.2% in $1B-$10B
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