Hinsdale Bank & Trust Company
Hinsdale Bank & Trust Company reported total assets of $6.8 bn at Q2 2026, up 18.7% on a year earlier, the 223rd largest of 497 banks in our US coverage. The CET1 capital ratio at Hinsdale Bank & Trust Company was 10.60%, and the uninsured share of Hinsdale Bank & Trust Company was 36.65%. Source: FDIC Call Reports.
Key takeaways
- Hinsdale Bank & Trust Company reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.60% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- On net interest margin, Hinsdale Bank & Trust Company slipped from 286th to 323rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- The efficiency ratio of Hinsdale Bank & Trust Company, 36.59% at , places Hinsdale Bank & Trust Company in the bottom tenth of banks of $1 bn to $10 bn (group median 56.87%; FDIC Call Reports).
What sets Hinsdale Bank & Trust Company apart
- Since , Hinsdale Bank & Trust Company has taken over one institution; the latest was Countryside Bank on .
How large is Hinsdale Bank & Trust Company?
The balance sheet of Hinsdale Bank & Trust Company at : assets $6.8 bn, deposits $5.6 bn, net loans $5.0 bn (loans equal to 89.40% of deposits). Securities make up 16.0% of total assets at Hinsdale Bank & Trust Company. Since , when Hinsdale Bank & Trust Company held $1.9 bn, its assets grew 249.3%. In the year to , deposits at Hinsdale Bank & Trust Company rose 20.0% while its total assets rose 18.7%. At , Hinsdale Bank & Trust Company employed 229 full-time equivalent staff across 17 offices, about $29.7 mn of assets per employee and $327.9 mn of deposits per office.
How much funding at Hinsdale Bank & Trust Company is uninsured?
At Hinsdale Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 36.65% of domestic deposits at (+2.97 pp on a year earlier); Hinsdale Bank & Trust Company ranks 234th of 500 on this measure. In dollars, Hinsdale Bank & Trust Company estimated $2.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.6 bn | +20.0% | 224th of 499 |
| Net loans and leases | $5.0 bn | +16.0% | 211th of 500 |
| Loan-to-deposit ratio | 89.40% | -3.07 pp | 202nd of 500 |
| Tier 1 leverage ratio | 9.20% | -0.26 pp | 408th of 500 |
| Total risk-based capital ratio | 11.34% | -0.11 pp | 441st of 448 |
| Net interest margin | 3.39% | +0.09 pp | 323rd of 500 |
| Return on assets (ROA) | 1.48% | +0.03 pp | 160th of 500 |
| Efficiency ratio | 36.59% | -3.31 pp | 42nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $78.4 mn | Narrowed by $10.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $47.5 mn | Narrowed by $3.2 mn | |
| Noncurrent loans to total loans | 0.16% | +0.05 pp | 53rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.05 pp | 67th of 500 (1 = lowest) |
US rank of Hinsdale Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Hinsdale Bank & Trust Company: assets, deposits and loans
- Total assets $6.8bn
- Deposits $5.6bn
- Net loans $5.0bn
Capital and securities
The CET1 ratio of Hinsdale Bank & Trust Company stood at 10.60% in , -0.16 pp year on year. Low and high at Hinsdale Bank & Trust Company since : 10.60% () to 12.20% (). Equity capital of Hinsdale Bank & Trust Company at : $683.7 mn, or 10.1% of total assets. Hinsdale Bank & Trust Company also reported a total capital ratio of 11.34% for , and a tier 1 leverage ratio of 9.20%.
On held-to-maturity securities, Hinsdale Bank & Trust Company carried an unrealized loss of $78.4 mn at , equal to 11.5% of equity capital. The loss narrowed by $10.0 mn over the year. Its deepest point: $116.0 mn in . The available-for-sale portfolio of Hinsdale Bank & Trust Company showed an unrealized loss of $47.5 mn at ; the loss narrowed by $3.2 mn over the year.
Hinsdale Bank & Trust Company: capital ratios
- Total capital 11%
- CET1 11%
- Tier 1 leverage 9.2%
Hinsdale Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$48mn
- Held to maturity -$78mn
Profitability and loan quality
For the year to , Hinsdale Bank & Trust Company earned a return on equity of 14.28%; return on assets: 1.48%. Net interest margin at Hinsdale Bank & Trust Company: 3.39%, +0.09 pp in a year. Hinsdale Bank & Trust Company net income: $47.8 mn, up 17.8% year on year. The efficiency ratio of Hinsdale Bank & Trust Company was 36.59%: about 37 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 0.16% of total loans at Hinsdale Bank & Trust Company; net charge-offs: 0.00% of average loans. Gross loans and leases at Hinsdale Bank & Trust Company: $5.0 bn, up 16.0% in a year.
Hinsdale Bank & Trust Company: profitability
- Return on equity 14%
- Net interest margin 3.4%
- Return on assets 1.5%
Peer group of Hinsdale Bank & Trust Company
The peer group of Hinsdale Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Hinsdale Bank & Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, Hinsdale Bank & Trust Company shows CET1 ratio 10.60% against a peer median of 13.69%, return on equity 14.28% against a peer median of 15.94% and uninsured deposit share 36.65% against a peer median of 24.28%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The Camden National Bank | National bank | ME | $6.9 bn | 12.73% | 12.70% | 24.07% | |
| Old Second National Bank | National bank | IL | $6.9 bn | 13.72% | 12.59% | 27.10% | |
| First National Bank of America | National bank | MI | $6.8 bn | 15.28% | 34.72% | 18.66% | |
| Hinsdale Bank & Trust Company | National bank | IL | $6.8 bn | 10.60% | 14.28% | 36.65% | |
| Intrust Bank | National bank | KS | $6.8 bn | 13.66% | 19.88% | 24.48% | |
| City National Bank of West Virginia | National bank | WV | $6.8 bn | 15.01% | 19.17% | 16.74% | |
| Third Coast Bank | State member bank | TX | $6.7 bn | 12.10% | 11.42% | 30.98% | |
. FDIC Call Reports.
Last eight quarters
Two years at Hinsdale Bank & Trust Company, to : assets +23.7%, deposits +27.7%, equity +17.0%. Staff 228 to 229.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.5 bn | $5.4 bn | $5.7 bn | $5.7 bn | $5.9 bn | $6.1 bn | $6.5 bn | $6.8 bn |
| Total deposits | $4.4 bn | $4.4 bn | $4.6 bn | $4.6 bn | $4.8 bn | $4.9 bn | $5.3 bn | $5.6 bn |
| Bank equity capital | $584.6 mn | $582.8 mn | $586.7 mn | $608.2 mn | $638.5 mn | $663.7 mn | $661.2 mn | $683.7 mn |
| CET1 ratio | 10.88% | 11.18% | 10.63% | 10.76% | 11.12% | 11.03% | 10.70% | 10.60% |
| Return on equity (ROE) | 12.97% | 12.58% | 14.19% | 13.70% | 14.45% | 14.31% | 13.68% | 14.28% |
| Uninsured share of domestic deposits | 30.24% | 29.55% | 33.01% | 33.67% | 34.89% | 34.27% | 37.04% | 36.65% |
| Full-time equivalent employees | 228 | 235 | 229 | 227 | 225 | 222 | 229 | 229 |
| Number of offices | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Hinsdale Bank & Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed Countryside Bank (FDIC certificate 21952).
Questions and identifiers
What were the total assets of Hinsdale Bank & Trust Company?
Hinsdale Bank & Trust Company reported $6.8 bn at in its Call Report. That makes Hinsdale Bank & Trust Company the 223rd largest of 497 banks in our US coverage.
Is Hinsdale Bank & Trust Company the same as its holding company?
No. This page covers Hinsdale Bank & Trust Company, FDIC certificate 33849; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Hinsdale Bank & Trust Company profitable?
Hinsdale Bank & Trust Company reported net income of $47.8 mn for the year to ; annualized return on equity: 14.28%. So yes: Hinsdale Bank & Trust Company made a profit over these months.
When is data for Hinsdale Bank & Trust Company next updated?
Figures from Hinsdale Bank & Trust Company for are due after .
Where can I check the figures for Hinsdale Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 33849, and in the Call Reports of Hinsdale Bank & Trust Company (RSSD ID 2119773) at the FFIEC Central Data Repository.