BlastPoint's Banking Scorecard

Northbrook Bank and Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 57082

Northbrook, IL

7 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 +11.6% year over year ($5.4B on the books).
Delinquency rate 0.27%.
Return on assets 1.42%.
Efficiency ratio 29.17% vs a 59.73% peer average.
Loan-to-deposit ratio 82.72% 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) →

Northbrook Bank and Trust Company, National Association has 2 strengths but faces 3 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

+ Efficiency Ratio 30.56% below tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.8% in tier
- Credit Risk Growth: Bottom 38.8% in tier
- Net Interest Margin 1.09% below tier average

Get updates when Northbrook Bank and 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 ?	$6.4B +11.5% YoY -6.5% QoQ	+$3.6B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 8.8% in tier
Total Loans ?	$4.4B +9.0% YoY +1.7% QoQ	+$2.5B	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 9.4% in tier
Total Deposits ?	$5.4B +11.6% YoY -8.1% QoQ	+$3.0B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 8.7% in tier
Return on Assets ?	1.42% -0.6% YoY +7.1% QoQ	+0.03%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	2.78% +2.0% YoY +1.6% QoQ	-1.09%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 8.2% in tier
Efficiency Ratio ?	29.17% -12.9% YoY +0.1% QoQ	-30.56%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 1.7% in tier
Delinquency Rate ?	0.27% +12.4% YoY -21.1% QoQ	-0.59%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	82.72% -2.3% YoY +10.6% QoQ	-2.31%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	62%
Non-Interest-Bearing Deposit Share ?	26.18% +4.2% YoY -20.8% QoQ	+4.91%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.25% +4.3% YoY -10.0% QoQ	-0.43%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	11.16% +4.2% YoY +3.9% QoQ	-3.68%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.18% -2.6% YoY +108.3% QoQ	-0.35%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	27%

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	26.2% +1.1pp YoY -6.9pp QoQ	+4.8pp	21.4%	20.1%	22.2%	75%
Brokered Deposits	12.4% +0.3pp YoY +1.5pp QoQ	+2.9pp	9.5%	8.0%	8.5%	75%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	48.7% -2.8pp YoY -0.5pp QoQ	+34.7pp	14.0%	14.7%	12.5%	98%
CRE	25.5% -2.0pp YoY -0.5pp QoQ	-24.5pp	50.0%	37.9%	41.4%	8%
1-4 Family	7.9% +0.8pp YoY +0.1pp QoQ	-18.6pp	26.4%	28.3%	31.3%	11%
Consumer	10.3% -0.5pp YoY +0.2pp QoQ	+5.6pp	4.7%	5.4%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	11.2% +0.4pp YoY +0.4pp QoQ	-4.4pp	15.6%	19.9%	19.7%	12%
Leverage Ratio	9.4% -0.1pp YoY 0.0pp QoQ	-1.9pp	11.3%	12.2%	12.6%	20%
Total Capital Ratio	11.8% +0.5pp YoY +0.4pp QoQ	-4.9pp	16.7%	20.9%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	90 -10 (-10.0%) YoY -5 (-5.3%) QoQ	-224	313	228	482	5%
Assets per Employee ($)	$70.7M +23.9% YoY -1.3% QoQ	+$60.3M	$10.5M	$8.3M	$8.8M	100%
Branch Count	7 0 YoY 0 QoQ	-13	20	10	18	17%

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%	44%
Nonaccrual	0.2% 0.0pp YoY -0.1pp QoQ	-0.6pp	0.8%	1.1%	1.0%	26%
Allowance Coverage	2.23x -13.3% YoY +22.5% QoQ	-16.48x	18.71x	5.62x	20.23x	52%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	17.3% -0.2pp YoY +1.0pp QoQ	+4.7pp	12.6%	10.5%	11.6%	84%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.6%	1.7%	73%
Net Income ($, YTD)	$45.0M +10.3% YoY — QoQ	+$25.7M	$19.2M	$11.7M	$40.4M	91%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#59 of 492 • Bottom 11.8% in tier

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

Why this signature

Delinquency Rate: 0.27%

(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 improving

Credit Risk Growth

risk

#157 of 402 • Bottom 38.8% 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

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 29.17%

Peer Median: 59.73%

#16 of 885 Top 1.7% in $1B-$10B

Total Deposits

size

Value: $5.36B

Peer Median: $2.32B

#78 of 885 Top 8.7% in $1B-$10B

Total Assets

size

Value: $6.37B

Peer Median: $2.79B

#79 of 885 Top 8.8% in $1B-$10B

Total Loans

size

Value: $4.43B

Peer Median: $1.96B

#84 of 885 Top 9.4% in $1B-$10B

Top Weaknesses (2 metrics)

813

Net Interest Margin

profitability

Value: 2.78%

Peer Median: 3.87%

#813 of 885 Bottom 8.2% in $1B-$10B

703

Tier 1 Capital Ratio

capital

Value: 11.16%

Peer Median: 14.84%

#703 of 885 Bottom 20.7% in $1B-$10B