Northbrook Bank and Trust Company

Overview

What stands out about Northbrook Bank and Trust Company?

Its largest one-quarter change in total assets since Q1 2016 was +16.4% between Q4 2025 and Q1 2026, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its efficiency ratio stands out most: 29.17% at Q2 2026, below the peer median of 54.90%. By uninsured share of domestic deposits it moved from 104th to 190th among 500 banks between Q1 2026 and Q2 2026 (1 = highest).

How large is Northbrook Bank and Trust Company?

At Q2 2026 the bank held $6.4 bn of assets. Deposits were $5.4 bn and net loans and leases $4.4 bn, a loan-to-deposit ratio of 82.72%. Securities of $872.0 mn made up 13.7% of assets.

Total assets rose 283.7% between Q1 2016 and Q2 2026, from $1.7 bn.

How much of its funding is uninsured?

An estimated 39.70% of domestic deposits were above the FDIC insurance limit at Q2 2026, -7.29 pp from the previous quarter and -1.41 pp from a year earlier. That share ranks 190th 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 11.16% at Q2 2026, +0.45 pp from a year earlier. Since Q1 2016 it has ranged from 9.58% (Q1 2016) to 11.91% (Q4 2019). At Q2 2026 the tier 1 leverage ratio was 9.38% and the total risk-based capital ratio 11.84%. The median CET1 ratio of the size peers listed below was 12.59% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $47.3 mn at Q2 2026, measured as fair value minus amortized cost, equal to 8.9% of bank equity capital. The loss narrowed by $6.5 mn from a year earlier. The largest unrealized loss on these securities was $72.2 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $48.0 mn at Q2 2026; the loss narrowed by $4.4 mn from a year earlier.

Return on equity was 17.31% for the year to Q2 2026, annualized, with a return on assets of 1.42% and a net interest margin of 2.78%. The margin was +0.06 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 29.17%. Net income for the year to Q2 2026 was $45.0 mn, up 10.3% on the same period a year earlier. The median return on equity of its size peers was 12.87% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.27% of total loans at Q2 2026. Net charge-offs for the year to date were 0.12% of average loans, annualized.

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