Old Plank Trail Community Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Old Plank Trail Community Bank, N.A. operates with a thinner capital cushion than most banks of its size. The New Lenox, Illinois bank had $3.5 billion in assets at June 30, 2026, up 12.7% from a year earlier. It holds common equity equal to 10.81% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents). It has also been growing, with assets up 12.7% in a year.
The non-owner-occupied commercial real estate book ($268 million) is worsening: 3.44% of it is past due or on nonaccrual, up from 0.72% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $85 million equal 28% of Tier 1 capital, down from 34% a year earlier.
As of June 30, 2026, Old Plank Trail Community Bank, N.A. reported a CET1 capital ratio of 10.81%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 2.48%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 280 Veterans Pkwy, New Lenox, IL 60451
- County
- Will
- 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
- —
- Call Report form
- FFIEC 041
- Established
- March 16, 2006
- Offices
- 17 domestic
- Employees (FTE)
- 173
- Domestic deposits
- $3.12B
- Allowance for credit losses
- $15.4M
- Net charge-offs (YTD)
- $3.1M
- Average total assets
- $3.45B
- Average total loans
- $2.42B
- Average interest-bearing deposits
- $2.50B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 16, 2006
- FDIC Cert
- 58314
- Fed RSSD
- 3404207
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.oldplanktrailbank.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 Old Plank Trail Community Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Old Plank Trail Community Bank, 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.
Old Plank Trail Community Bank, 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.
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 | 10.81% | 1.11% | 0.28% | 2.48% | 3.13% |
| Q1 2026 | 10.93% | 1.30% | 0.32% | 2.71% | 3.24% |
| Q4 2025 | 11.04% | 1.07% | 0.52% | 4.25% | 3.18% |
| Q3 2025 | 10.77% | 0.95% | 0.42% | 3.57% | 3.13% |
| Q2 2025 | 10.72% | 1.23% | 0.43% | 3.68% | 3.16% |
| Q1 2025 | 10.70% | 1.42% | 0.48% | 4.37% | 3.32% |
| Q4 2024 | 10.59% | 0.99% | 0.41% | 3.83% | 3.13% |
| Q3 2024 | 10.60% | 0.90% | 0.54% | 4.82% | 3.22% |
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 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Old Plank Trail Community Bank, N.A. (main office) | New Lenox , IL | 60451 | $680.6M |
| Mokena Office Branch | Mokena , IL | 60448 | $630.3M |
| First National Bank of Illinois Branch | Lansing , IL | 60438 | $240.8M |
| Frankfort Office Branch | Frankfort , IL | 60423 | $217.5M |
| Orland Park Branch | Orland Park , IL | 60462 | $213.3M |
| First United Bank Branch | Crete , IL | 60417 | $196.5M |
| Steger Facility | Steger , IL | 60475 | $147.8M |
| First National Bank of Illinois Branch | Dyer , IN | 46311 | $132.3M |
| Wintrust Indiana - Crown Point Branch | Crown Point , IN | 46307 | $122.2M |
| Frankfort Banking Facility | Frankfort , IL | 60423 | $98.1M |
| Markham Branch | Markham , IL | 60428 | $93.8M |
| Homer Glen Branch | Homer Glen , IL | 60491 | $90.4M |
| Joliet-Merrycrest Branch | Joliet , IL | 60435 | $75.1M |
| Shorewood Branch | Shorewood , IL | 60404 | $71.8M |
| Wintrust - Tinley Park Branch | Tinley Park , IL | 60477 | $61.0M |
| Lynwood Facility | Chicago Heights , IL | 60411 | $47.0M |
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 |
|---|---|---|---|
| May 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Structure Change | Acquired First National Bank of Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2012 | Structure Change | Acquired First United Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 28, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Old Plank Trail Community Bank, 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
- 0.4% of deposits in IL, rank 32 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 181 applications, 138 loans originated, $140.5M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.3M approved, $427K 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 Old Plank Trail Community Bank, N.A.
What are Old Plank Trail Community Bank, N.A.'s total assets?
As of the Q2 2026 filing, Old Plank Trail Community Bank, N.A. reported total assets of $3.53 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Old Plank Trail Community Bank, N.A. headquartered?
Old Plank Trail Community Bank, N.A. is headquartered in New Lenox, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Old Plank Trail Community Bank, N.A. founded?
Old Plank Trail Community Bank, N.A. was established in 2006, per the FDIC institution directory.
Is Old Plank Trail Community Bank, N.A. FDIC-insured?
Yes. Old Plank Trail Community Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #58314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Old Plank Trail Community Bank, N.A.?
Old Plank Trail Community Bank, 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 Old Plank Trail Community Bank, N.A.'s CET1 capital ratio?
Old Plank Trail Community Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 10.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Old Plank Trail Community Bank, N.A. operate?
Old Plank Trail Community Bank, N.A. operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Old Plank Trail Community Bank, N.A.'s Texas Ratio?
Old Plank Trail Community Bank, N.A.'s Texas Ratio is 2.48% 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.
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