Lake Forest Bank & Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 11.9% in Q2 2026, from -$98.6M to -$110.4M. It was the largest change from Q1 2026 among the key lines here. Lake Forest Bank & Trust Company, N.A. ranks 169th of 198 Illinois banks on CET1 ratio, in the lower half at 11.16% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Lake Forest Bank & Trust Company, N.A. sits 2.32 points lower, at 11.16% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.16% |
| Tier 1 risk-based capital ratio | 11.16% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 9.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $887.4M |
| Tier 1 capital | $887.4M |
| Total risk-based capital | $956.0M |
| Total equity capital | $878.8M |
| Risk-weighted assets | $7.95B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.50% |
| Tangible equity to tangible assets | 9.10% |
| Equity capital to average assets | 9.80% |
| Internal capital growth rate | 12.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.3M |
| Common stock surplus | $194.1M |
| Retained earnings | $789.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$110.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.42% | 11.42% | 12.03% | 9.69% | $6.64B |
| Q4 2023 | 11.76% | 11.76% | 12.47% | 9.93% | $6.83B |
| Q1 2024 | 11.19% | 11.19% | 11.93% | 10.04% | $6.87B |
| Q2 2024 | 11.12% | 11.12% | 11.80% | 9.76% | $7.12B |
| Q3 2024 | 11.57% | 11.57% | 12.24% | 10.13% | $7.18B |
| Q4 2024 | 11.09% | 11.09% | 11.77% | 9.70% | $7.28B |
| Q1 2025 | 11.54% | 11.54% | 12.34% | 9.61% | $7.15B |
| Q2 2025 | 11.27% | 11.27% | 11.98% | 9.52% | $7.53B |
| Q3 2025 | 11.11% | 11.11% | 11.78% | 9.19% | $7.50B |
| Q4 2025 | 11.00% | 11.00% | 11.70% | 9.09% | $7.81B |
| Q1 2026 | 11.04% | 11.04% | 11.89% | 9.57% | $7.84B |
| Q2 2026 | 11.16% | 11.16% | 12.02% | 9.93% | $7.95B |
Lake Forest Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Forest Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-R, 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 Lake Forest Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27589) · FFIEC NIC profile (RSSD 1917301)