Northbrook Bank & Trust Company, N.A.
Also written as NB&T
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Data as of · sourced from FFIEC call reports. How we update
Northbrook Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Northbrook, IL, supervised by the OCC, with $6.37B in total assets at Q2 2026, up 11.5% from Q2 2025, the 14th largest of 319 banks headquartered in Illinois. It was established in 2000 and holds FDIC certificate 57082. Its CET1 capital ratio was 11.16% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57082
- Headquarters
- Northbrook, IL
- Established
- 2000
- Total assets, Q2 2026
- $6.37B
- Assets vs Q2 2025
- +11.5%
- CET1 ratio, Q2 2026
- 11.16%
- Domestic offices
- 7 · Northbrook Bank & Trust Company, N.A. branches FDIC institution directory, current count
- Routing number
- 071926184
- Safety and soundness
- Is Northbrook Bank & Trust Company, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · Northbrook Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 14th of 319 in Illinois
Northbrook Bank & Trust Company, N.A. runs leaner than most banks of its size. The Northbrook, Illinois bank had $6.4 billion in assets at June 30, 2026, up 11.5% from a year earlier. It spends about 29 cents to bring in each dollar of revenue, about half the median of 58 cents for the 880 banks with $1 billion to $10 billion in assets. On the other hand, it holds common equity equal to 11.16% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.50%).
Net income for the quarter rose 25% from a year earlier, to $24 million. Unrealized losses on its securities total $95 million, equal to 17% of Tier 1 capital, against 21% a year earlier. Its margin is thin by comparison: it keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Northbrook Bank & Trust Company, N.A. reported a CET1 capital ratio of 11.16%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.91%. The figures come from its call report filed with the FFIEC.
Northbrook Bank & Trust Company, N.A. ranks as the 14th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 6.5% to $6.37B, loans rose 1.6% and deposits fell 8.1%. Commercial and industrial loans made up 48.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 11.7%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in IL; its Northbrook office books 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, Northbrook Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 Waukegan Rd, Northbrook, IL 60062
- County
- Cook
- 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
- —
- Call Report form
- FFIEC 041
- Established
- November 22, 2000
- Former names
- Northbrook Bank and Trust Company, National Association (2019)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $5.36B
- Allowance for credit losses
- $27.0M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $5.93B
- Average total loans
- $4.38B
- Average interest-bearing deposits
- $3.84B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 22, 2000
- FDIC Cert
- 57082
- Fed RSSD
- 2938198
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.northbrookbank.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. 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
From Q3 2023 to Q2 2026, Northbrook Bank & Trust Company, N.A.'s total assets ranged from $4.55B (Q3 2023) to $6.81B (Q1 2026), 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
$6.37B total assets against $5.71B; $5.83B total liabilities against $5.23B.
$4.43B net loans and leases against $4.07B; $5.36B total deposits against $4.80B.
$872.0M securities against $779.1M; $882.2M cash and balances due against $685.8M.
$76.4M total interest income against $70.7M; $33.9M total interest expense against $34.0M.
$42.5M net interest income against $36.7M.
$5.6M total noninterest income against $5.4M; $14.2M total noninterest expense against $14.1M.
$1.2M provision for credit losses against $2.1M.
$24.0M net income against $19.2M.
1.62% return on assets against 1.46%; 3.01% net interest margin against 2.94%.
11.16% CET1 capital ratio against 10.71%; 9.38% tier 1 leverage ratio against 9.52%.
Inside the full Northbrook Bank & Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorthbrook Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 41 of 3,606, for efficiency ratio; its furthest is 1,922 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.43% (Q3 2025) to 1.89% (Q4 2025) and its net interest margin ran from 2.81% (Q3 2024) to 3.05% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.16% | 1.62% | 0.27% | 2.91% | 3.01% |
| Q1 2026 | 10.74% | 1.47% | 0.34% | 3.58% | 3.04% |
| Q4 2025 | 11.16% | 1.89% | 0.25% | 2.71% | 3.05% |
| Q3 2025 | 11.24% | 1.43% | 0.23% | 2.52% | 2.99% |
| Q2 2025 | 10.71% | 1.46% | 0.24% | 2.77% | 2.94% |
| Q1 2025 | 11.13% | 1.67% | 0.26% | 2.89% | 2.95% |
| Q4 2024 | 10.59% | 1.43% | 0.24% | 2.90% | 2.96% |
| Q3 2024 | 11.32% | 1.52% | 0.37% | 3.38% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Northbrook Bank and Trust Company, National Association | Northbrook , IL | 60062 | $4.20B |
| Northview Main Branch | Northfield , IL | 60093 | $418.5M |
| Buffalo Grove Branch | Buffalo Grove , IL | 60089 | $345.4M |
| Glenview Bank & Trust Company | Glenview , IL | 60025 | $166.0M |
| Deerfield Branch | Deerfield , IL | 60015 | $91.1M |
| Wheeling Branch | Wheeling , IL | 60090 | $85.6M |
| Northview Willow Branch | Northfield , IL | 60093 | $49.2M |
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 |
|---|---|---|---|
| December 8, 2018 | Structure Change | Acquired American Enterprise Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2011 | Structure Change | Acquired First Chicago Bank & Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 8, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 5, 2011 | Structure Change | Acquired Community First Bank - Chicago Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 4, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 7, 2010 | Structure Change | Acquired Ravenswood Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 6, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 24, 2010 | Structure Change | Acquired Lincoln Park Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 23, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 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
- 0.7% of deposits in IL, rank 21 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 221 applications, 151 loans originated, $186.0M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $3.8M approved, $952K 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 Northbrook Bank & Trust Company, N.A.
What are Northbrook Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Northbrook Bank & Trust Company, N.A. reported total assets of $6.37 billion in its FFIEC call report.
Where is Northbrook Bank & Trust Company, N.A. headquartered?
It is headquartered in Northbrook, IL, United States.
When was Northbrook Bank & Trust Company, N.A. founded?
It was established in 2000, per the FDIC institution directory.
Is Northbrook Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57082). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northbrook Bank & Trust Company, N.A.?
Northbrook Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Northbrook 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 Northbrook Bank & Trust Company, N.A. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northbrook Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 2.91% 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 Northbrook Bank & Trust Company, N.A. previously called?
The charter now named Northbrook Bank & Trust Company, N.A. has also operated as Northbrook Bank and Trust Company, National Association (2019), per FDIC structure-change records.
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