BlastPoint's Banking Scorecard
Northbrook Bank and Trust Company, National Association
Northbrook, IL
7 branches across IL
Northbrook Bank and Trust Company, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 31.92% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Net Interest Margin 1.08% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.8B
+25.9% YoY
+16.4% QoQ
|
+$4.0B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 7.8% in tier |
| Total Loans ? |
$4.4B
+14.1% YoY
+4.2% QoQ
|
+$2.4B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 9.8% in tier |
| Total Deposits ? |
$5.8B
+29.3% YoY
+19.6% QoQ
|
+$3.5B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 7.1% in tier |
| Return on Assets ? |
1.32%
-12.3% YoY
-11.5% QoQ
|
-0.04% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
2.73%
+1.4% YoY
-2.4% QoQ
|
-1.08% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio ? |
29.14%
-14.2% YoY
-8.6% QoQ
|
-31.92% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 1.8% in tier |
| Delinquency Rate ? |
0.35%
+30.1% YoY
+38.9% QoQ
|
-0.54% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
74.78%
-11.8% YoY
-12.9% QoQ
|
-9.42% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
33.08%
+24.6% YoY
+44.1% QoQ
|
+11.79% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 11.4% in tier |
| Nonperforming Asset Ratio ? |
0.28%
+7.6% YoY
+14.2% QoQ
|
-0.40% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
10.74%
-3.5% YoY
-3.7% QoQ
|
-4.42% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.7% in tier |
| Non-Interest Income / Assets ? |
0.09%
-8.6% YoY
-76.5% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.