Lake Forest Bank & Trust Company, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Lake Forest Bank & Trust Company, N.A. is one of the more profitable banks of its size. The Lake Forest, Illinois bank had $9.3 billion in assets at June 30, 2026, down 3.1% from a year earlier. It earns about $2.30 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Loans and deposits moved in opposite directions: over the year loans rose 6.2% and deposits fell 2.7%. Unrealized losses on its securities total $148 million, equal to 17% of Tier 1 capital, against 19% a year earlier. Funding is the softer spot: it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Lake Forest Bank & Trust Company, N.A. reported a CET1 capital ratio of 11.16%, a return on assets of 2.30%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.70%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 727 N Bank Ln, Lake Forest, IL 60045
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- May 21, 1986
- Former names
- Lake Forest Bank and Trust Company (1991-2017)
- Offices
- 10 domestic
- Employees (FTE)
- 803
- Domestic deposits
- $7.10B
- Allowance for credit losses
- $57.4M
- Net charge-offs (YTD)
- $893K
- Average total assets
- $8.97B
- Average total loans
- $6.67B
- Average interest-bearing deposits
- $5.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 26, 1991
- FDIC Cert
- 27589
- Fed RSSD
- 1917301
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.lakeforestbank.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Lake Forest Bank & Trust Company, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Lake Forest Bank & Trust Company, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Lake Forest Bank & Trust Company, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Lake Forest Bank & Trust Company, N.A.: ROA, Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.16% | 2.30% | 0.31% | 2.70% | 3.42% |
| Q1 2026 | 11.04% | 1.76% | 0.33% | 2.77% | 3.34% |
| Q4 2025 | 11.00% | 2.11% | 0.34% | 2.84% | 3.37% |
| Q3 2025 | 11.11% | 2.25% | 0.30% | 2.66% | 3.33% |
| Q2 2025 | 11.27% | 2.50% | 0.43% | 2.40% | 3.48% |
| Q1 2025 | 11.54% | 1.98% | 0.47% | 2.49% | 3.44% |
| Q4 2024 | 11.09% | 2.07% | 0.51% | 2.77% | 3.55% |
| Q3 2024 | 11.57% | 2.22% | 0.56% | 2.79% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Forest Bank & Trust Company, N.A. (main office) | Lake Forest , IL | 60045 | $5.84B |
| Highland Park Branch | Highland Park , IL | 60035 | $320.0M |
| 4 East Scranton Avenue Branch | Lake Bluff , IL | 60044 | $304.0M |
| Waukegan Branch | Waukegan , IL | 60085 | $149.1M |
| Wlf Branch | Lake Forest , IL | 60045 | $144.3M |
| Wintrust Banking Center | Naples , FL | 34103 | $141.1M |
| Highwood Branch | Highwood , IL | 60040 | $119.4M |
| Wintrust Banking Center, A Branch of Lake Forest Bank & Trust Company, N.A. | Bonita Springs , FL | 34134 | $64.4M |
| Cape Coral Branch | Cape Coral , FL | 33904 | $23.7M |
| Lake Forest Bank & Trust - Drive Up Branch | Lake Forest , IL | 60045 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2017 | M&A | Acquired First Insurance Funding Corporation merger for the acquired bank | SEC |
| October 1, 2017 | Structure Change | Acquired First Insurance Funding Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Lake Forest Bank & Trust Company, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in IL, rank 16 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 193 applications, 155 loans originated, $175.3M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $8.9M approved, $744K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Lake Forest Bank & Trust Company, N.A.
What are Lake Forest Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Lake Forest Bank & Trust Company, N.A. reported total assets of $9.25 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lake Forest Bank & Trust Company, N.A. headquartered?
Lake Forest Bank & Trust Company, N.A. is headquartered in Lake Forest, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Lake Forest Bank & Trust Company, N.A. founded?
Lake Forest Bank & Trust Company, N.A. was established in 1986, per the FDIC institution directory.
Is Lake Forest Bank & Trust Company, N.A. FDIC-insured?
Yes. Lake Forest Bank & Trust Company, N.A. is an FDIC-insured commercial bank (FDIC Certificate #27589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake Forest Bank & Trust Company, N.A.?
Lake Forest Bank & Trust Company, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lake Forest Bank & Trust Company, N.A.'s CET1 capital ratio?
Lake Forest Bank & Trust Company, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.16% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lake Forest Bank & Trust Company, N.A. operate?
Lake Forest Bank & Trust Company, N.A. operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lake Forest Bank & Trust Company, N.A.'s Texas Ratio?
Lake Forest Bank & Trust Company, N.A.'s Texas Ratio is 2.70% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Lake Forest Bank & Trust Company, N.A. previously called?
The charter now named Lake Forest Bank & Trust Company, N.A. has also operated as Lake Forest Bank and Trust Company (1991-2017), per FDIC structure-change records.
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