LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION

LAKE FOREST, IL | Large | Est. May 21, 1986, midnight | FDIC #27589 | RSSD #1917301 | OCC
Latest Report: 2025-12-31

LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in LAKE FOREST, IL, established in May 21, 1986, midnight. As of 2025-12-31, the bank reported total assets of $9.4B and total deposits of $7.4B. Profitability stands at 2.15% ROA and 23.56% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 11.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.60%. FDIC Certificate #27589.

Assets

$9.4B

Deposits

$7.4B

Loans

$6.8B

Equity

$861M

Profitability

Return on Assets (ROA) 2.15%
Return on Equity (ROE) 23.56%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.86%
Cost of Funds 4.03%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.08%
Texas Ratio 2.60%
NPA Ratio 0.25%
ACL / Loans 0.66%

Capital & Liquidity

CET1 Ratio 11.00%
Tier 1 Capital 11.00%
Total Capital Ratio 11.70%
Leverage Ratio 9.09%
Loan-to-Deposit 92.52%

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