Northbrook Bank and Trust Company
Northbrook Bank and Trust Company reported total assets of $6.4 bn at Q2 2026, up 11.5% on a year earlier, the 237th largest of 497 banks in our US coverage. The CET1 capital ratio at Northbrook Bank and Trust Company was 11.16%, and the uninsured share of Northbrook Bank and Trust Company was 39.70%. Source: FDIC Call Reports.
Key takeaways
- Northbrook Bank and Trust Company reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 29.17% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, Northbrook Bank and Trust Company climbed from 457th to 400th among 448 US banks between and (1 = highest; FDIC Call Reports).
- The net interest margin of Northbrook Bank and Trust Company, 2.78% at , places Northbrook Bank and Trust Company in the bottom tenth of banks of $1 bn to $10 bn (group median 3.66%; FDIC Call Reports).
What sets Northbrook Bank and Trust Company apart
How large is Northbrook Bank and Trust Company?
The balance sheet of Northbrook Bank and Trust Company at : assets $6.4 bn, deposits $5.4 bn, net loans $4.4 bn (loans equal to 82.72% of deposits). Securities make up 13.7% of total assets at Northbrook Bank and Trust Company. Since , when Northbrook Bank and Trust Company held $1.7 bn, its assets grew 283.7%. In the year to , deposits at Northbrook Bank and Trust Company rose 11.6% while its total assets rose 11.5%. At , Northbrook Bank and Trust Company employed 90 full-time equivalent staff across 7 offices, about $70.7 mn of assets per employee and $765.6 mn of deposits per office.
How much funding at Northbrook Bank and Trust Company is uninsured?
At Northbrook Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 39.70% of domestic deposits at (-1.41 pp on a year earlier); Northbrook Bank and Trust Company ranks 190th of 500 on this measure. In dollars, Northbrook Bank and Trust Company estimated $2.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.4 bn | +11.6% | 235th of 499 |
| Net loans and leases | $4.4 bn | +9.0% | 236th of 500 |
| Loan-to-deposit ratio | 82.72% | -1.95 pp | 308th of 500 |
| Tier 1 leverage ratio | 9.38% | -0.14 pp | 385th of 500 |
| Total risk-based capital ratio | 11.84% | +0.46 pp | 421st of 448 |
| Net interest margin | 2.78% | +0.06 pp | 441st of 500 |
| Return on assets (ROA) | 1.42% | -0.01 pp | 184th of 500 |
| Efficiency ratio | 29.17% | -4.34 pp | 21st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $47.3 mn | Narrowed by $6.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $48.0 mn | Narrowed by $4.4 mn | |
| Noncurrent loans to total loans | 0.27% | +0.03 pp | 92nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | +0.08 pp | 285th of 500 (1 = lowest) |
US rank of Northbrook Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Northbrook Bank and Trust Company: assets, deposits and loans
- Total assets $6.4bn
- Deposits $5.4bn
- Net loans $4.4bn
Capital and securities
The CET1 ratio of Northbrook Bank and Trust Company stood at 11.16% in , +0.45 pp year on year. Low and high at Northbrook Bank and Trust Company since : 9.58% () to 11.91% (). Equity capital of Northbrook Bank and Trust Company at : $531.5 mn, or 8.3% of total assets. Northbrook Bank and Trust Company also reported a total capital ratio of 11.84% for , and a tier 1 leverage ratio of 9.38%.
On held-to-maturity securities, Northbrook Bank and Trust Company carried an unrealized loss of $47.3 mn at , equal to 8.9% of equity capital. The loss narrowed by $6.5 mn over the year. Its deepest point: $72.2 mn in . The available-for-sale portfolio of Northbrook Bank and Trust Company showed an unrealized loss of $48.0 mn at ; the loss narrowed by $4.4 mn over the year.
Northbrook Bank and Trust Company: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.4%
Northbrook Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$48mn
- Held to maturity -$47mn
Profitability and loan quality
For the year to , Northbrook Bank and Trust Company earned a return on equity of 17.31%; return on assets: 1.42%. Net interest margin at Northbrook Bank and Trust Company: 2.78%, +0.06 pp in a year. Northbrook Bank and Trust Company net income: $45.0 mn, up 10.3% year on year. The efficiency ratio of Northbrook Bank and Trust Company was 29.17%: about 29 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.27% of total loans at Northbrook Bank and Trust Company; net charge-offs: 0.12% of average loans. Gross loans and leases at Northbrook Bank and Trust Company: $4.5 bn, up 9.0% in a year.
Northbrook Bank and Trust Company: profitability
- Return on equity 17%
- Net interest margin 2.8%
- Return on assets 1.4%
Peer group of Northbrook Bank and Trust Company
The peer group of Northbrook Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Northbrook Bank and 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, Northbrook Bank and Trust Company shows CET1 ratio 11.16% against a peer median of 12.59%, return on equity 17.31% against a peer median of 12.87% and uninsured deposit share 39.70% against a peer median of 32.68%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| TrustCo Bank | Federal savings bank | NY | $6.5 bn | 14.48% | 12.45% | 21.99% | |
| United Fidelity Bank, fsb | Federal savings bank | IN | $6.5 bn | 11.08% | -0.86% | 18.30% | |
| Choice Financial Group | State nonmember bank | ND | $6.4 bn | not reported | 11.42% | 26.47% | |
| Northbrook Bank and Trust Company | National bank | IL | $6.4 bn | 11.16% | 17.31% | 39.70% | |
| Five Star Bank | State member bank | NY | $6.3 bn | 12.72% | 13.29% | 46.41% | |
| Mercantile Bank | State nonmember bank | MI | $6.2 bn | 12.59% | 13.90% | 57.50% | |
| First International Bank & Trust | State nonmember bank | ND | $6.2 bn | 10.68% | 14.47% | 38.89% | |
. FDIC Call Reports.
Last eight quarters
Two years at Northbrook Bank and Trust Company, to : assets +22.6%, deposits +24.3%, equity +15.7%. Staff 98 to 90.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.2 bn | $6.0 bn | $5.4 bn | $5.7 bn | $5.7 bn | $5.9 bn | $6.8 bn | $6.4 bn |
| Total deposits | $4.3 bn | $5.2 bn | $4.5 bn | $4.8 bn | $4.8 bn | $4.9 bn | $5.8 bn | $5.4 bn |
| Bank equity capital | $459.4 mn | $440.3 mn | $473.6 mn | $481.4 mn | $507.2 mn | $514.3 mn | $513.1 mn | $531.5 mn |
| CET1 ratio | 11.32% | 10.59% | 11.13% | 10.71% | 11.24% | 11.16% | 10.74% | 11.16% |
| Return on equity (ROE) | 14.98% | 15.45% | 18.89% | 17.53% | 16.85% | 17.75% | 16.31% | 17.31% |
| Uninsured share of domestic deposits | 44.13% | 51.02% | 41.67% | 41.11% | 41.33% | 38.42% | 46.99% | 39.70% |
| Full-time equivalent employees | 98 | 97 | 99 | 100 | 98 | 93 | 95 | 90 |
| Number of offices | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Northbrook Bank and Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Northbrook Bank and Trust Company?
Northbrook Bank and Trust Company reported $6.4 bn at in its Call Report. That makes Northbrook Bank and Trust Company the 237th largest of 497 banks in our US coverage.
Is Northbrook Bank and Trust Company the same as its holding company?
No. This page covers Northbrook Bank and Trust Company, FDIC certificate 57082; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Northbrook Bank and Trust Company profitable?
Northbrook Bank and Trust Company reported net income of $45.0 mn for the year to ; annualized return on equity: 17.31%. So yes: Northbrook Bank and Trust Company made a profit over these months.
When is data for Northbrook Bank and Trust Company next updated?
Figures from Northbrook Bank and Trust Company for are due after .
Where can I check the figures for Northbrook Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 57082, and in the Call Reports of Northbrook Bank and Trust Company (RSSD ID 2938198) at the FFIEC Central Data Repository.