Barrington Bank & Trust Company

Overview

What stands out about Barrington Bank & Trust Company?

Its largest one-quarter change in total assets since Q1 2016 was +17.5% between Q1 2020 and Q2 2020, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its noncurrent loans to total loans stands out most: 4.75% at Q2 2026, above the peer median of 0.51%. Its noncurrent loans to total loans of 4.75% at Q2 2026 is among the highest 5% of the 500 banks reporting it, a loan-quality outlier (rank 494 of 500, 1 = lowest).

How large is Barrington Bank & Trust Company?

At Q2 2026 the bank held $5.2 bn of assets. Deposits were $4.1 bn and net loans and leases $3.9 bn, a loan-to-deposit ratio of 93.57%. Securities of $489.3 mn made up 9.5% of assets.

Total assets rose 167.4% between Q1 2016 and Q2 2026, from $1.9 bn.

How much of its funding is uninsured?

An estimated 23.07% of domestic deposits were above the FDIC insurance limit at Q2 2026, -2.34 pp from the previous quarter and -1.17 pp from a year earlier. That share ranks 387th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 10.91% at Q2 2026, -0.19 pp from a year earlier. Since Q1 2016 it has ranged from 10.56% (Q1 2024) to 13.31% (Q1 2021). At Q2 2026 the tier 1 leverage ratio was 10.08% and the total risk-based capital ratio 11.53%. The median CET1 ratio of the size peers listed below was 12.63% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $1.1 mn at Q2 2026, measured as fair value minus amortized cost, equal to 0.2% of bank equity capital. The loss narrowed by $166,000 from a year earlier. The largest unrealized loss on these securities was $4.9 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $34.9 mn at Q2 2026; the loss narrowed by $5.7 mn from a year earlier.

Return on equity was 12.04% for the year to Q2 2026, annualized, with a return on assets of 1.27% and a net interest margin of 3.24%. The margin was +0.09 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 68.38%. Net income for the year to Q2 2026 was $31.4 mn, up 40.5% on the same period a year earlier. The median return on equity of its size peers was 15.49% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 4.75% of total loans at Q2 2026. Net charge-offs for the year to date were 0.08% of average loans, annualized.

The FDIC history records no mergers or acquisitions for Barrington Bank & Trust Company since Q1 2016, and its total assets never moved more than 25% in one quarter.