$6.81B
+11.9%y/y
Percentile by value94th percentileby value
FDIC
LNLSGRLF
Lake Forest Bank & Trust Company, National Association
Lake Forest, IllinoisFDIC Cert #27589
OCCEstablished 198610 branches
Holding company: WINTRUST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$6.75B
+11.9%y/y
Percentile by value94th percentileby value
FDIC
LNLSNET+11.87%
+54.4%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET96.6%
+9.0%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET + DEP75.0%
+8.5%y/y
Percentile by value58th percentileby value
FDIC
LNLSNET + ASSET25.06%
+0.4%y/y
Percentile by value7th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
115%
+6.3%y/y
Percentile by value14th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC23%
−7.5%y/y
Percentile by value26th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,739points
−5.6%y/y
Peer standing10th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD3.71%
−2.7%y/y
Percentile by value17th percentileby value
FDIC
LNRENROW + LNLSGR9.70%
−1.2%y/y
Percentile by value16th percentileby value
FDIC
LNRENROT + LNLSGR59.89%
−2.9%y/y
Percentile by value97th percentileby value
FDIC
LNCI + LNLSGR