Lake Forest Bank & Trust Company, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.31 percentage points higher than in Q1 2026, at 26.65%. Lake Forest Bank & Trust Company, N.A. ranks 40th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 94.95% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Lake Forest Bank & Trust Company, N.A. sits 6.74 points higher, at 94.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.91B |
| Net loans and leases | $6.86B |
| Loans held for sale | $0 |
| Loans to total assets | 74.73% |
| Loan-to-deposit ratio | 94.95% |
| Net loans to equity capital | 7.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.23% |
| Multifamily (5+ residential) | 2.61% |
| Commercial and industrial | 58.74% |
| Consumer | 9.77% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 115.93% |
| Construction concentration (Tier 1 capital + allowance) | 26.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.23% |
| Interest income on loans | $104.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.57B | $6.29B | 11.35% | 65.72% | 12.14% |
| Q4 2023 | $5.67B | $6.19B | 11.56% | 65.09% | 12.05% |
| Q1 2024 | $5.65B | $5.88B | 12.47% | 63.66% | 11.64% |
| Q2 2024 | $5.94B | $6.50B | 12.32% | 63.46% | 11.45% |
| Q3 2024 | $6.03B | $6.18B | 12.25% | 62.78% | 11.59% |
| Q4 2024 | $6.14B | $6.45B | 13.28% | 62.11% | 11.41% |
| Q1 2025 | $6.08B | $6.81B | 13.63% | 61.71% | 11.07% |
| Q2 2025 | $6.51B | $7.48B | 12.83% | 63.59% | 10.08% |
| Q3 2025 | $6.55B | $7.24B | 12.80% | 59.82% | 10.09% |
| Q4 2025 | $6.82B | $7.37B | 13.44% | 59.38% | 9.52% |
| Q1 2026 | $6.81B | $6.99B | 13.41% | 59.89% | 9.56% |
| Q2 2026 | $6.91B | $7.28B | 13.23% | 58.74% | 9.77% |
Lake Forest Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake Forest Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-C, 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)