Hinsdale Bank & Trust Company, N.A.
Also written as HB&T
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Data as of · sourced from FFIEC call reports. How we update
Hinsdale Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Hinsdale, IL, supervised by the OCC, with $6.80B in total assets at Q2 2026, up 18.7% from Q2 2025, the 11th largest of 319 banks headquartered in Illinois. It was established in 1993 and holds FDIC certificate 33849. Its CET1 capital ratio was 10.60% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33849
- Headquarters
- Hinsdale, IL
- Established
- 1993
- Total assets, Q2 2026
- $6.80B
- Assets vs Q2 2025
- +18.7%
- CET1 ratio, Q2 2026
- 10.60%
- Domestic offices
- 17 · Hinsdale Bank & Trust Company, N.A. branches FDIC institution directory, current count
- Routing number
- 071925402
- Safety and soundness
- Is Hinsdale Bank & Trust Company, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · Hinsdale Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 11th of 319 in Illinois
Hinsdale Bank & Trust Company, N.A. runs leaner than most banks of its size. Based in Hinsdale, Illinois, it had $6.8 billion in assets at June 30, 2026, up 18.7% from a year earlier. It spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 10.60% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.50%).
Net income for the quarter rose 27% from a year earlier, to $25 million. Over the same year, loans grew 16.0% and deposits grew 20.0%. Its margin is thin by comparison: it keeps 3.22 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Hinsdale Bank & Trust Company, N.A. reported a CET1 capital ratio of 10.60%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.70%. The figures come from its call report filed with the FFIEC.
Hinsdale Bank & Trust Company, N.A. ranks as the 11th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.6% to $6.80B, loans rose 6.0% and deposits rose 5.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 39.2% of total loans, ahead of loans to nondepository financial institutions at 13.5%. The FDIC Summary of Deposits lists 17 offices for it, in 14 cities in IL; its Hinsdale 2 offices book 55% of its branch deposits. On its Q2 2026 call report, Hinsdale Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 25 E 1st St, Hinsdale, IL 60521
- County
- Dupage
- 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
- October 28, 1993
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 229
- Domestic deposits
- $5.57B
- Allowance for credit losses
- $33.0M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $6.69B
- Average total loans
- $4.71B
- Average interest-bearing deposits
- $4.46B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 28, 1993
- FDIC Cert
- 33849
- Fed RSSD
- 2119773
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.hinsdalebank.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
Hinsdale Bank & Trust Company, N.A.'s total assets moved between a low of $4.78B (Q3 2023) and a high of $6.80B (Q2 2026) from Q3 2023 to 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
$6.80B total assets against $5.73B; $6.12B total liabilities against $5.12B.
$4.98B net loans and leases against $4.30B; $5.57B total deposits against $4.65B.
$1.09B securities against $910.4M; $385.6M cash and balances due against $211.6M.
$86.8M total interest income against $76.8M; $35.2M total interest expense against $33.4M.
$51.6M net interest income against $43.4M.
$5.8M total noninterest income against $4.3M; $21.3M total noninterest expense against $18.9M.
$2.0M provision for credit losses against $1.8M.
$25.1M net income against $19.8M.
1.50% return on assets against 1.39%; 3.22% net interest margin against 3.20%.
10.60% CET1 capital ratio against 10.76%; 9.20% tier 1 leverage ratio against 9.47%.
Inside the full Hinsdale 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.
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.
Hinsdale Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 118 of 3,606, for efficiency ratio; its furthest is 2,029 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q4 2024) to 1.71% (Q3 2025) and its net interest margin ran from 3.13% (Q3 2024) to 3.40% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.60% | 1.50% | 0.16% | 1.70% | 3.22% |
| Q1 2026 | 10.70% | 1.45% | 0.14% | 1.45% | 3.36% |
| Q4 2025 | 11.03% | 1.53% | 0.15% | 1.31% | 3.40% |
| Q3 2025 | 11.12% | 1.71% | 0.15% | 1.55% | 3.35% |
| Q2 2025 | 10.76% | 1.39% | 0.11% | 1.29% | 3.20% |
| Q1 2025 | 10.63% | 1.49% | 0.10% | 1.23% | 3.18% |
| Q4 2024 | 11.19% | 1.21% | 0.28% | 2.16% | 3.18% |
| Q3 2024 | 10.88% | 1.37% | 0.32% | 2.47% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 |
|---|---|---|---|
| Hinsdale Bank & Trust Company, N.A. (main office) | Hinsdale , IL | 60521 | $3.07B |
| Community Bank of Downers Grove Bran | Downers Grove , IL | 60515 | $360.5M |
| Countryside Branch | Countryside , IL | 60525 | $357.9M |
| The Community Bank of Western Spring | Western Springs , IL | 60558 | $275.3M |
| Community Bank of Willowbrook | Willowbrook , IL | 60527 | $259.3M |
| 150 East Butterfield Rd Br | Elmhurst , IL | 60126 | $239.4M |
| Clarendon Hills Bank Branch | Clarendon Hills , IL | 60514 | $223.6M |
| Riverside Bank Branch | Riverside , IL | 60546 | $221.3M |
| Lemont Branch | Lemont , IL | 60439 | $160.5M |
| Suburban Bank & Trust (Lake St.) Branch | Elmhurst , IL | 60126 | $102.6M |
| Burbank Branch | Burbank , IL | 60459 | $95.1M |
| Oak Park Bank and Trust Branch | Oak Park , IL | 60301 | $88.3M |
| Darien Branch | Darien , IL | 60561 | $51.6M |
| Stone Park Branch | Stone Park , IL | 60165 | $29.9M |
| Oak Park Bank & Trust Branch | Oak Park , IL | 60302 | $26.9M |
| Maywood Branch | Maywood , IL | 60153 | $15.5M |
| West Chestnut Drive-Up | Hinsdale , IL | 60521 | $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 |
|---|---|---|---|
| November 1, 2019 | Structure Change | Acquired Countryside Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 2015 | Structure Change | Acquired Suburban Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2012 | Structure Change | Acquired Second Federal Savings and Loan Association of Chicago Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 20, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 4, 2006 | Structure Change | Acquired St. Charles Bank & Trust Company, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 10, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in IL, rank 19 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 226 applications, 155 loans originated, $151.1M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $8.2M approved, $455K 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 Hinsdale Bank & Trust Company, N.A.
What are Hinsdale Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Hinsdale Bank & Trust Company, N.A. reported total assets of $6.80 billion in its FFIEC call report.
Where is Hinsdale Bank & Trust Company, N.A. headquartered?
It is headquartered in Hinsdale, IL, United States.
When was Hinsdale Bank & Trust Company, N.A. founded?
It was established in 1993, per the FDIC institution directory.
Is Hinsdale Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hinsdale Bank & Trust Company, N.A.?
Hinsdale Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Hinsdale Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.60% in its Q2 2026 call report, above regulatory requirements.
How many branches does Hinsdale Bank & Trust Company, N.A. operate?
It 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 Hinsdale Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 1.70% 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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