Lake Forest Bank & Trust Company, N.A.
Lake Forest Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Lake Forest, IL, supervised by the OCC, with $9.25B in total assets at Q2 2026, down 3.1% from Q2 2025, the 7th largest of 319 banks headquartered in Illinois. It was established in 1986 and holds FDIC certificate 27589. Its CET1 capital ratio was 11.16% at Q2 2026, above regulatory requirements.
Also written as LFB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27589
- Headquarters
- Lake Forest, IL
- Established
- 1986
- Total assets, Q2 2026
- $9.25B
- Assets vs Q2 2025
- -3.1%
- CET1 ratio, Q2 2026
- 11.16%
- Domestic offices
- 10 · Lake Forest Bank & Trust Company, N.A. branches FDIC institution directory, current count
- Routing number
- 071925334
- Safety and soundness
- Is Lake Forest Bank & Trust Company, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 031 · Lake Forest Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 7th of 319 in Illinois
Lake Forest Bank & Trust Company, N.A. is one of the more profitable banks of its size. The Lake Forest, Illinois bank had $9.3 billion in assets at June 30, 2026, down 3.1% from a year earlier. It earns about $2.30 a year on every $100 of assets, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Loans and deposits moved in opposite directions: over the year loans rose 6.2% and deposits fell 2.7%. Unrealized losses on its securities total $148 million, equal to 17% of Tier 1 capital, against 19% a year earlier. Funding is the softer spot: it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Lake Forest Bank & Trust Company, N.A. reported a CET1 capital ratio of 11.16%, a return on assets of 2.30%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.70%. The figures come from its call report filed with the FFIEC.
Lake Forest Bank & Trust Company, N.A. ranks as the 7th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.8% to $9.25B, loans rose 1.6% and deposits rose 4.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 58.7% of total loans, followed by other consumer loans at 9.6%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities across 2 states; its Lake Forest 3 offices book 84% of its branch deposits. By the capital ratios in its Q2 2026 call report, Lake Forest Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 727 N Bank Ln, Lake Forest, IL 60045
- County
- Lake
- 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
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- May 21, 1986
- Former names
- Lake Forest Bank and Trust Company (1991-2017)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 803
- Domestic deposits
- $7.10B
- Allowance for credit losses
- $57.4M
- Net charge-offs (YTD)
- $893K
- Average total assets
- $8.97B
- Average total loans
- $6.67B
- Average interest-bearing deposits
- $5.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 26, 1991
- FDIC Cert
- 27589
- Fed RSSD
- 1917301
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.lakeforestbank.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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, Lake Forest Bank & Trust Company, N.A.'s total assets ran between $7.75B (Q1 2024) and $9.54B (Q2 2025), 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
$9.25B total assets against $9.54B; $8.37B total liabilities against $8.70B.
$6.86B net loans and leases against $6.46B; $7.28B total deposits against $7.48B.
$1.09B securities against $1.07B; $777.8M cash and balances due against $1.47B.
$119.2M total interest income against $123.7M; $46.2M total interest expense against $49.9M.
$72.9M net interest income against $73.8M.
$51.9M total noninterest income against $50.9M; $51.6M total noninterest expense against $49.7M.
$2.4M provision for credit losses against -$2.1M.
$51.5M net income against $56.0M.
2.30% return on assets against 2.50%; 3.42% net interest margin against 3.48%.
11.16% CET1 capital ratio against 11.27%; 9.93% tier 1 leverage ratio against 9.52%.
Inside the full Lake Forest 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.
Lake Forest Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 169 of 4,196, for total assets; its furthest is 1,923 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.76% (Q1 2026) to 2.50% (Q2 2025) and its net interest margin ran from 3.33% (Q3 2025) to 3.56% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.16% | 2.30% | 0.34% | 2.70% | 3.42% |
| Q1 2026 | 11.04% | 1.76% | 0.35% | 2.77% | 3.34% |
| Q4 2025 | 11.00% | 2.11% | 0.35% | 2.84% | 3.37% |
| Q3 2025 | 11.11% | 2.25% | 0.33% | 2.66% | 3.33% |
| Q2 2025 | 11.27% | 2.50% | 0.30% | 2.40% | 3.48% |
| Q1 2025 | 11.54% | 1.98% | 0.33% | 2.49% | 3.44% |
| Q4 2024 | 11.09% | 2.07% | 0.34% | 2.77% | 3.55% |
| Q3 2024 | 11.57% | 2.22% | 0.37% | 2.79% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Lake Forest Bank & Trust Company, N.A. (main office) | Lake Forest , IL | 60045 | $5.84B |
| Highland Park Branch | Highland Park , IL | 60035 | $320.0M |
| 4 East Scranton Avenue Branch | Lake Bluff , IL | 60044 | $304.0M |
| Waukegan Branch | Waukegan , IL | 60085 | $149.1M |
| Wlf Branch | Lake Forest , IL | 60045 | $144.3M |
| Wintrust Banking Center | Naples , FL | 34103 | $141.1M |
| Highwood Branch | Highwood , IL | 60040 | $119.4M |
| Wintrust Banking Center, A Branch of Lake Forest Bank & Trust Company, N.A. | Bonita Springs , FL | 34134 | $64.4M |
| Cape Coral Branch | Cape Coral , FL | 33904 | $23.7M |
| Lake Forest Bank & Trust - Drive Up Branch | Lake Forest , IL | 60045 | $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 |
|---|---|---|---|
| October 1, 2017 | M&A | Acquired First Insurance Funding Corporation merger for the acquired bank | SEC |
| October 1, 2017 | Structure Change | Acquired First Insurance Funding Corporation 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- 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
- 0.9% of deposits in IL, rank 16 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 193 applications, 155 loans originated, $175.3M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $8.9M approved, $744K 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 Lake Forest Bank & Trust Company, N.A.
What are Lake Forest Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Lake Forest Bank & Trust Company, N.A. reported total assets of $9.25 billion in its FFIEC call report.
Where is Lake Forest Bank & Trust Company, N.A. headquartered?
It is headquartered in Lake Forest, IL, United States.
When was Lake Forest Bank & Trust Company, N.A. founded?
It was established in 1986, per the FDIC institution directory.
Is Lake Forest Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lake Forest Bank & Trust Company, N.A.?
Lake Forest Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Lake Forest Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.16% in its Q2 2026 call report, above regulatory requirements.
How many branches does Lake Forest Bank & Trust Company, N.A. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lake Forest Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 2.70% 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.
What was Lake Forest Bank & Trust Company, N.A. previously called?
The charter now named Lake Forest Bank & Trust Company, N.A. has also operated as Lake Forest Bank and Trust Company (1991-2017), per FDIC structure-change records.
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