Barrington Bank & Trust Company, N.A.
Also written as BB&T
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Data as of · sourced from FFIEC call reports. How we update
Barrington Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Barrington, IL, established in 1996 (FDIC certificate 34395), and it is supervised by the OCC. At Q2 2026 it reported total assets of $5.17B, up 10.4% from Q2 2025, the 16th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.91% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34395
- Headquarters
- Barrington, IL
- Established
- 1996
- Total assets, Q2 2026
- $5.17B
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 10.91%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 071925651
- Latest call report
- Q2 2026, FFIEC 041 · Barrington Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 16th of 319 in Illinois
Barrington Bank & Trust Company, N.A. operates with a thinner capital cushion than most banks of its size. It reported $5.2 billion in assets at June 30, 2026, up 10.4% from a year earlier. It holds common equity equal to 10.91% of its risk-weighted assets, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 13.50%). It also grew deposits 15.0% over the year, about triple the median of 5.1% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $17 million. Over the same year, loans grew 5.6% and deposits grew 15.0%. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Barrington Bank & Trust Company, N.A. reported a CET1 capital ratio of 10.91%, a return on assets of 1.36%, a nonperforming-loan ratio of 4.75% and a Texas ratio of 2.28%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Barrington Bank & Trust Company, N.A. is the 16th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.8% to $5.17B, loans rose 0.6% and deposits rose 7.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 41.5% of total loans, followed by 1-4 family residential loans at 26.1%. Its 9 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Barrington 2 offices book 79% of its branch deposits. On its Q2 2026 call report, Barrington Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Hough St, Barrington, IL 60010
- County
- Cook
- 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
- December 19, 1996
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 703
- Domestic deposits
- $4.14B
- Allowance for credit losses
- $24.5M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $5.02B
- Average total loans
- $3.80B
- Average interest-bearing deposits
- $3.21B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 19, 1996
- FDIC Cert
- 34395
- Fed RSSD
- 2508751
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.barringtonbank.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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Barrington Bank & Trust Company, N.A.'s total assets ran between $3.85B (Q3 2023) and $5.17B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.17B total assets against $4.68B; $4.64B total liabilities against $4.17B.
$3.87B net loans and leases against $3.67B; $4.14B total deposits against $3.60B.
$489.3M securities against $448.5M; $353.1M cash and balances due against $114.3M.
$62.8M total interest income against $59.2M; $25.1M total interest expense against $25.3M.
$37.7M net interest income against $33.9M.
$35.4M total noninterest income against $35.0M; $49.6M total noninterest expense against $48.4M.
$272K provision for credit losses against $1.6M.
$17.0M net income against $13.9M.
1.36% return on assets against 1.22%; 3.24% net interest margin against 3.25%.
10.91% CET1 capital ratio against 11.10%; 10.08% tier 1 leverage ratio against 10.90%.
Inside the full Barrington Bank & Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Barrington Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 278 of 4,196, for total assets; its furthest is 1,978 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.44% (Q3 2024) to 1.41% (Q3 2025) and its net interest margin ran from 3.04% (Q1 2025) to 3.28% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.91% | 1.36% | 4.75% | 2.28% | 3.24% |
| Q1 2026 | 10.85% | 1.21% | 5.13% | 2.48% | 3.24% |
| Q4 2025 | 10.93% | 0.75% | 5.36% | 2.76% | 3.28% |
| Q3 2025 | 11.29% | 1.41% | 4.75% | 1.29% | 3.25% |
| Q2 2025 | 11.10% | 1.22% | 4.50% | 1.55% | 3.25% |
| Q1 2025 | 11.12% | 0.77% | 5.23% | 1.32% | 3.04% |
| Q4 2024 | 10.96% | 0.82% | 6.28% | 0.91% | 3.20% |
| Q3 2024 | 11.34% | 0.44% | 5.94% | 1.49% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Barrington Bank & Trust Company, N.A. (main office) | Barrington , IL | 60010 | $3.19B |
| Palatine Branch | Palatine , IL | 60067 | $240.0M |
| Hanover Park Branch | Hanover Park , IL | 60133 | $143.9M |
| Higgins Road Branch | Hoffman Estates , IL | 60169 | $141.9M |
| Hoffman Estates Community Bank Branch | Hoffman Estates , IL | 60192 | $136.4M |
| Hawthorn Woods Community Bank Branch | Hawthorn Woods , IL | 60047 | $112.1M |
| Northwest Highway Branch | Barrington , IL | 60010 | $79.8M |
| West Golf Road Branch | Hoffman Estates , IL | 60169 | $75.3M |
| Palatine - East Branch | Palatine , IL | 60074 | $25.5M |
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 |
|---|---|---|---|
| February 11, 2012 | M&A | Acquired Charter National Bank and Trust failure_government_assistance_provided for the acquired bank | SEC |
| February 11, 2012 | Structure Change | Acquired Charter National Bank and Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 10, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 1, 2008 | M&A | Acquired Guardian Real Estate Services, Inc. merger for the acquired bank | SEC |
| December 1, 2008 | Structure Change | Acquired Guardian Real Estate Services, Inc. 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 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 10 against individuals associated with it
- Period: Most recent action February 14, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in IL, rank 26 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 11,726 applications, 7,752 loans originated, $2.67B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $8.6M approved, $714K 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Barrington Bank & Trust Company, N.A.
What are Barrington Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Barrington Bank & Trust Company, N.A. reported total assets of $5.17 billion in its FFIEC call report.
Where is Barrington Bank & Trust Company, N.A. headquartered?
It is headquartered in Barrington, IL, United States.
When was Barrington Bank & Trust Company, N.A. founded?
It was established in 1996, per the FDIC institution directory.
Is Barrington Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34395). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Barrington Bank & Trust Company, N.A.?
Barrington Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Barrington Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Barrington Bank & Trust Company, N.A. operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Barrington Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 2.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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