Lake Forest 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 climbed 24.68 percentage points in Q2 2026, from 240.16% to 264.84%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Lake Forest Bank & Trust Company, N.A. ranks 13th highest among the 323 banks headquartered in Illinois, at 2.30% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Lake Forest Bank & Trust Company, N.A. reported 2.30% on return on assets in Q2 2026, 1.02 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.16% |
| Tier 1 risk-based capital ratio | 11.16% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 9.93% |
| Equity capital to assets | 9.50% |
| Tangible equity to tangible assets | 9.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.70% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 264.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.30% |
| Return on equity | 23.65% |
| Net interest margin | 3.42% |
| Efficiency ratio | 41.27% |
| Yield on earning assets | 5.59% |
| Cost of funds | 2.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.95% |
| Core deposits to total deposits | 77.34% |
| Brokered deposits to total deposits | 13.54% |
| Deposits to assets | 78.71% |
| Securities to assets | 11.77% |
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 | 11.42% | 11.42% | 12.03% | 9.69% | 2.45% |
| Q4 2023 | 11.76% | 11.76% | 12.47% | 9.93% | 1.87% |
| Q1 2024 | 11.19% | 11.19% | 11.93% | 10.04% | 2.12% |
| Q2 2024 | 11.12% | 11.12% | 11.80% | 9.76% | 2.43% |
| Q3 2024 | 11.57% | 11.57% | 12.24% | 10.13% | 2.22% |
| Q4 2024 | 11.09% | 11.09% | 11.77% | 9.70% | 2.07% |
| Q1 2025 | 11.54% | 11.54% | 12.34% | 9.61% | 1.98% |
| Q2 2025 | 11.27% | 11.27% | 11.98% | 9.52% | 2.50% |
| Q3 2025 | 11.11% | 11.11% | 11.78% | 9.19% | 2.25% |
| Q4 2025 | 11.00% | 11.00% | 11.70% | 9.09% | 2.11% |
| Q1 2026 | 11.04% | 11.04% | 11.89% | 9.57% | 1.76% |
| Q2 2026 | 11.16% | 11.16% | 12.02% | 9.93% | 2.30% |
Lake Forest 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 Lake Forest 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 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)