Lake Forest Bank & Trust Company
Lake Forest Bank & Trust Company reported total assets of $9.3 bn at Q2 2026, down 3.1% on a year earlier, the 171st largest of 497 banks in our US coverage. The CET1 capital ratio at Lake Forest Bank & Trust Company was 11.16%. Lake Forest Bank & Trust Company held deposits of $7.3 bn. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Lake Forest Bank & Trust Company slipped from 227th to 322nd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Lake Forest Bank & Trust Company has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 21.10% at , against a median of 12.68% across 339 banks (FDIC Call Reports).
What sets Lake Forest Bank & Trust Company apart
How large is Lake Forest Bank & Trust Company?
The balance sheet of Lake Forest Bank & Trust Company at : assets $9.3 bn, deposits $7.3 bn, net loans $6.9 bn (loans equal to 94.16% of deposits). Securities make up 11.8% of total assets at Lake Forest Bank & Trust Company. Since , when Lake Forest Bank & Trust Company held $2.9 bn, its assets grew 223.4%. In the year to , deposits at Lake Forest Bank & Trust Company fell 2.7% while its total assets fell 3.1%. At , Lake Forest Bank & Trust Company employed 803 full-time equivalent staff across 10 offices, about $11.5 mn of assets per employee and $728.2 mn of deposits per office.
How much funding at Lake Forest Bank & Trust Company is uninsured?
At Lake Forest Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 49.90% of domestic deposits at (+3.12 pp on a year earlier); Lake Forest Bank & Trust Company ranks 83rd of 500 on this measure. In dollars, Lake Forest Bank & Trust Company estimated $3.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.3 bn | -2.7% | 178th of 499 |
| Net loans and leases | $6.9 bn | +6.1% | 162nd of 500 |
| Loan-to-deposit ratio | 94.16% | +7.74 pp | 129th of 500 |
| Tier 1 leverage ratio | 9.93% | +0.41 pp | 308th of 500 |
| Total risk-based capital ratio | 12.02% | +0.04 pp | 412th of 448 |
| Net interest margin | 3.39% | -0.12 pp | 322nd of 500 |
| Return on assets (ROA) | 1.99% | -0.23 pp | 51st of 500 |
| Efficiency ratio | 42.36% | +0.94 pp | 68th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $89.0 mn | Narrowed by $11.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $58.7 mn | Narrowed by $4.0 mn | |
| Noncurrent loans to total loans | 0.34% | +0.04 pp | 123rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | -0.03 pp | 150th of 500 (1 = lowest) |
US rank of Lake Forest Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Lake Forest Bank & Trust Company: assets, deposits and loans
- Total assets $9.3bn
- Deposits $7.3bn
- Net loans $6.9bn
Capital and securities
The CET1 ratio of Lake Forest Bank & Trust Company stood at 11.16% in , -0.11 pp year on year. Low and high at Lake Forest Bank & Trust Company since : 10.49% () to 12.11% (). Equity capital of Lake Forest Bank & Trust Company at : $878.8 mn, or 9.5% of total assets. Lake Forest Bank & Trust Company also reported a total capital ratio of 12.02% for , and a tier 1 leverage ratio of 9.93%.
On held-to-maturity securities, Lake Forest Bank & Trust Company carried an unrealized loss of $89.0 mn at , equal to 10.1% of equity capital. The loss narrowed by $11.0 mn over the year. Its deepest point: $134.4 mn in . The available-for-sale portfolio of Lake Forest Bank & Trust Company showed an unrealized loss of $58.7 mn at ; the loss narrowed by $4.0 mn over the year.
Lake Forest Bank & Trust Company: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.9%
Lake Forest Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$59mn
- Held to maturity -$89mn
Profitability and loan quality
For the year to , Lake Forest Bank & Trust Company earned a return on equity of 21.10%; return on assets: 1.99%. Net interest margin at Lake Forest Bank & Trust Company: 3.39%, -0.12 pp in a year. Lake Forest Bank & Trust Company net income: $91.6 mn, down 7.2% year on year. The efficiency ratio of Lake Forest Bank & Trust Company was 42.36%: about 42 cents cost per revenue dollar, against 47 cents at the median peer.
At , noncurrent loans were 0.34% of total loans at Lake Forest Bank & Trust Company; net charge-offs: 0.03% of average loans. Gross loans and leases at Lake Forest Bank & Trust Company: $6.9 bn, up 6.2% in a year.
Lake Forest Bank & Trust Company: profitability
- Return on equity 21%
- Net interest margin 3.4%
- Return on assets 2.0%
Peer group of Lake Forest Bank & Trust Company
The peer group of Lake Forest Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Lake Forest Bank & Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Lake Forest Bank & Trust Company shows CET1 ratio 11.16% against a peer median of 14.52%, return on equity 21.10% against a peer median of 15.20% and uninsured deposit share 49.90% against a peer median of 39.67%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Amalgamated Bank | State nonmember bank | NY | $9.4 bn | 14.78% | 14.63% | 57.05% | |
| Liberty Bank | State-chartered stock savings bank | CT | $9.4 bn | 13.66% | 9.92% | 25.51% | |
| 1st Source Bank | State member bank | IN | $9.3 bn | 14.84% | 14.72% | 53.84% | |
| Lake Forest Bank & Trust Company | National bank | IL | $9.3 bn | 11.16% | 21.10% | 49.90% | |
| Union Bank and Trust Company | State nonmember bank | NE | $9.2 bn | 12.70% | 15.67% | 11.78% | |
| First American Trust, FSB | Federal savings bank | CA | $9.2 bn | 33.45% | 23.05% | 63.84% | |
| The Bancorp Bank | National bank | SD | $9.2 bn | 14.27% | 31.84% | 2.84% | |
. FDIC Call Reports.
Last eight quarters
Two years at Lake Forest Bank & Trust Company, to : assets +10.6%, deposits +17.8%, equity +6.4%. Staff 738 to 803; offices 9 to 10.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.4 bn | $8.5 bn | $8.7 bn | $9.5 bn | $9.2 bn | $9.4 bn | $9.0 bn | $9.3 bn |
| Total deposits | $6.2 bn | $6.5 bn | $6.8 bn | $7.5 bn | $7.2 bn | $7.4 bn | $7.0 bn | $7.3 bn |
| Bank equity capital | $826.3 mn | $780.5 mn | $813.9 mn | $843.0 mn | $834.6 mn | $861.4 mn | $863.1 mn | $878.8 mn |
| CET1 ratio | 11.57% | 11.09% | 11.54% | 11.27% | 11.11% | 11.00% | 11.04% | 11.16% |
| Return on equity (ROE) | 23.31% | 23.03% | 21.40% | 24.28% | 24.44% | 24.18% | 18.59% | 21.10% |
| Uninsured share of domestic deposits | 49.96% | 51.02% | 47.51% | 46.78% | 46.09% | 49.55% | 47.89% | 49.90% |
| Full-time equivalent employees | 738 | 764 | 758 | 786 | 778 | 789 | 793 | 803 |
| Number of offices | 9 | 9 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Lake Forest Bank & Trust Company
- Total assets at Lake Forest Bank & Trust Company changed by +25.6% in the quarter to 2021-12-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Lake Forest Bank & Trust Company?
Lake Forest Bank & Trust Company reported $9.3 bn at in its Call Report. That makes Lake Forest Bank & Trust Company the 171st largest of 497 banks in our US coverage.
Is Lake Forest Bank & Trust Company the same as its holding company?
No. This page covers Lake Forest Bank & Trust Company, FDIC certificate 27589; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Lake Forest Bank & Trust Company profitable?
Lake Forest Bank & Trust Company reported net income of $91.6 mn for the year to ; annualized return on equity: 21.10%. So yes: Lake Forest Bank & Trust Company made a profit over these months.
When is data for Lake Forest Bank & Trust Company next updated?
Figures from Lake Forest Bank & Trust Company for are due after .
Where can I check the figures for Lake Forest Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 27589, and in the Call Reports of Lake Forest Bank & Trust Company (RSSD ID 1917301) at the FFIEC Central Data Repository.