Lake Forest Bank & Trust Company, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake Forest Bank & Trust Company, N.A. of Lake Forest, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.30% | 1.46% | +0.84% | 94th top |
| ROAE | 23.65% | 12.68% | +10.97% | 94th top |
| Net Interest Margin | 3.42% | 3.85% | -0.43% | 32nd below |
| Efficiency Ratio | 41.27% | 57.46% | -16.19% | 91st top |
| PPNR / Avg Assets | 3.27% | 1.87% | +1.40% | 96th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.72% | -0.13% | 53rd above |
| Cost of Funds | 2.30% | 2.01% | +0.29% | 30th below |
| Net Interest Spread | 2.66% | 3.18% | -0.52% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 1.00% | -0.69% | 72nd above |
| NPA / Total Assets | 0.24% | 0.76% | -0.52% | 71st above |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 85th top |
| ACL / Total Loans | 0.83% | 1.31% | -0.48% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 264.84% | 544.38% | -279.54% | 65th above |
| Texas Ratio | 2.70% | 7.41% | -4.71% | 69th above |
| Provision / NCO | 1475.59% | 614.96% | +860.63% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.16% | 17.36% | -6.20% | 12th bottom |
| Tier 1 Ratio | 11.16% | 17.39% | -6.23% | 12th bottom |
| Total Capital Ratio | 12.02% | 18.45% | -6.43% | 9th bottom |
| Leverage Ratio | 9.93% | 11.44% | -1.51% | 35th below |
| Equity / Assets | 9.50% | 11.34% | -1.84% | 31st below |
| TCE / Tangible Assets | 9.10% | 10.50% | -1.40% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.95% | 86.92% | +8.03% | 30th below |
| Core Deposit Ratio | 77.34% | 85.58% | -8.24% | 16th bottom |
| Uninsured Deposit Ratio | 48.68% | 33.07% | +15.61% | 10th bottom |
| Wholesale Funding Ratio | 9.79% | 5.69% | +4.10% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.07% | 9.73% | -12.80% | 6th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.21% | 8.06% | -1.85% | 53rd above |
| Deposit Growth (Y/Y) | -2.67% | 7.91% | -10.58% | 9th bottom |
See Lake Forest Bank & Trust Company, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake Forest Bank & Trust Company, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Lake Forest Bank & Trust Company, N.A. profile, how to read a UBPR, or how this data updates.