Hinsdale Bank & Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 191.91 percentage points in Q2 2026, from 658.94% to 467.03%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Hinsdale Bank & Trust Company, N.A. is 97th of 323 on return on assets, 1.50% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Hinsdale Bank & Trust Company, N.A. sits 0.23 points higher, at 1.50% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.34% |
| Tier 1 leverage ratio | 9.20% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 8.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 1.73% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 467.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 14.96% |
| Net interest margin | 3.22% |
| Efficiency ratio | 36.78% |
| Yield on earning assets | 5.42% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.00% |
| Core deposits to total deposits | 79.63% |
| Brokered deposits to total deposits | 13.47% |
| Deposits to assets | 81.96% |
| Securities to assets | 16.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.15% | 11.15% | 11.89% | 9.55% | 1.50% |
| Q4 2023 | 10.97% | 10.97% | 11.75% | 9.36% | 1.26% |
| Q1 2024 | 10.80% | 10.80% | 11.58% | 9.43% | 1.37% |
| Q2 2024 | 10.70% | 10.70% | 11.42% | 9.37% | 1.38% |
| Q3 2024 | 10.88% | 10.88% | 11.55% | 9.43% | 1.37% |
| Q4 2024 | 11.19% | 11.19% | 11.87% | 9.61% | 1.21% |
| Q1 2025 | 10.63% | 10.63% | 11.30% | 9.30% | 1.49% |
| Q2 2025 | 10.76% | 10.76% | 11.45% | 9.47% | 1.39% |
| Q3 2025 | 11.12% | 11.12% | 11.76% | 9.68% | 1.71% |
| Q4 2025 | 11.03% | 11.03% | 11.70% | 9.88% | 1.53% |
| Q1 2026 | 10.70% | 10.70% | 11.46% | 9.45% | 1.45% |
| Q2 2026 | 10.60% | 10.60% | 11.34% | 9.20% | 1.50% |
Hinsdale Bank & Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hinsdale Bank & Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hinsdale Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33849) · FFIEC NIC profile (RSSD 2119773)