$9B
+3.1%y/y
Percentile by value92nd percentileby value
FDIC
ASSETLF
Lake Forest Bank & Trust Company, National Association
Lake Forest, IllinoisFDIC Cert #27589
OCCEstablished 198610 branches
Holding company: WINTRUST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportLake Forest Bank & Trust Company, National Association reported $9B in total assets. Deposits grew 2.65% over the prior year.
Return on assets was 1.74%, compared with an asset-peer median of 1.31%. The leverage ratio was 9.57%.
- Why is Total Assets above asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$6.99B
+2.6%y/y
Percentile by value88th percentileby value
FDIC
DEP$6.75B
+11.9%y/y
Percentile by value94th percentileby value
FDIC
LNLSNET1.74%
−24 bpsy/y
Peer standing83rd percentile
FDIC
NETINC + ROA43.46%
+30 bpsy/y
Peer standing87th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.57%
−4 bpsy/y
Peer standing24th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $6.04B | $4.82B |
| Q3 2021 | $6.05B | $4.82B |
| Q4 2021 | $7.6B | $6.34B |
| Q1 2022 | $7.49B | $6.26B |
| Q2 2022 | $8.14B | $6.87B |
| Q3 2022 | $7.89B | $6.4B |
| Q4 2022 | $7.6B | $5.84B |
| Q1 2023 | $7.42B | $5.55B |
| Q2 2023 | $7.86B | $5.91B |
| Q3 2023 | $8.16B | $6.29B |
| Q4 2023 | $8.07B | $6.19B |
| Q1 2024 | $7.75B | $5.88B |
| Q2 2024 | $8.58B | $6.5B |
| Q3 2024 | $8.36B | $6.18B |
| Q4 2024 | $8.46B | $6.45B |
| Q1 2025 | $8.72B | $6.81B |
| Q2 2025 | $9.54B | $7.48B |
| Q3 2025 | $9.24B | $7.24B |
| Q4 2025 | $9.39B | $7.37B |
| Q1 2026 | $9B | $6.99B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $253M |
| Investor CRE | $660M |
| Multifamily | $194M |
| Construction | $215M |
| 1–4 family | $347M |
| C&I | $4.08B |
| Agriculture | $1.97M |
| Other | $1.06B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%83rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE18.59%90th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.38%36th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.46%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+2.65%35th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+11.87%79th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.35%71st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ9.57%24th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.47%15th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC115%14th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%88th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.11%90th 1.83%Observations 329
ROE
FDIC
NETINC + ROE18.59%91st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.20%Median 10.57%90th 18.47%Observations 329
NIM
FDIC
NIM + NIMY3.38%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.86%Median 3.62%90th 4.45%Observations 330
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.46%93rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.13%Median 63.88%90th 87.24%Observations 329
Deposits YoY
FDIC
DEP+2.65%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.61%Median +3.07%90th +13.90%Observations 328
Loans YoY
FDIC
LNLSNET+11.87%82nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.76%Median +4.48%90th +16.94%Observations 326
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.35%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.57%90th 2.85%Observations 326
Leverage
FDIC
RBC1AAJ9.57%26th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.64%Median 10.84%90th 15.77%Observations 330
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.47%6th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.28%Median 2.17%90th 3.18%Observations 326
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC115%47th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 20%Median 126%90th 292%Observations 208
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.08%Median 1.36%90th 1.74%Observations 21
ROE
FDIC
NETINC + ROE18.59%95th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 10.42%Median 13.53%90th 17.91%Observations 21
NIM
FDIC
NIM + NIMY3.38%48th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.90%Median 3.39%90th 4.11%Observations 22
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.46%70th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 33.63%Median 47.71%90th 67.31%Observations 21
Deposits YoY
FDIC
DEP+2.65%19th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.09%Median +8.38%90th +19.74%Observations 22
Loans YoY
FDIC
LNLSNET+11.87%71st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.73%Median +8.12%90th +15.37%Observations 22
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.35%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.23%Median 0.41%90th 1.32%Observations 22
Leverage
FDIC
RBC1AAJ9.57%43rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.98%Median 9.77%90th 12.06%Observations 22
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.47%10th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.77%90th 3.47%Observations 21
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC115%15th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 113%Median 185%90th 278%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- Lake Forest, IL
FDIC
OFFDOMOpen the Illinois dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data