Northbrook 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 18.0% lower than in Q1 2026, at -$38.1M. Within Illinois, Northbrook Bank & Trust Company, N.A. is 168th of 198 on CET1 ratio, 11.16% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Northbrook 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 | 11.84% |
| Tier 1 leverage ratio | 9.38% |
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 | $555.0M |
| Tier 1 capital | $555.0M |
| Total risk-based capital | $588.7M |
| Total equity capital | $531.5M |
| Risk-weighted assets | $4.97B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.35% |
| Tangible equity to tangible assets | 8.13% |
| Equity capital to average assets | 8.96% |
| Internal capital growth rate | 18.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.2M |
| Common stock surplus | $154.1M |
| Retained earnings | $412.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$38.1M |
| 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 | 11.00% | 11.00% | 11.75% | 9.75% | $3.95B |
| Q4 2023 | 11.45% | 11.45% | 12.32% | 9.92% | $3.86B |
| Q1 2024 | 11.05% | 11.05% | 11.86% | 9.57% | $4.03B |
| Q2 2024 | 10.73% | 10.73% | 11.43% | 9.47% | $4.20B |
| Q3 2024 | 11.32% | 11.32% | 12.00% | 9.72% | $4.14B |
| Q4 2024 | 10.59% | 10.59% | 11.25% | 9.21% | $4.47B |
| Q1 2025 | 11.13% | 11.13% | 11.80% | 9.56% | $4.44B |
| Q2 2025 | 10.71% | 10.71% | 11.38% | 9.52% | $4.65B |
| Q3 2025 | 11.24% | 11.24% | 11.99% | 9.60% | $4.61B |
| Q4 2025 | 11.16% | 11.16% | 11.81% | 9.66% | $4.70B |
| Q1 2026 | 10.74% | 10.74% | 11.44% | 9.36% | $4.94B |
| Q2 2026 | 11.16% | 11.16% | 11.84% | 9.38% | $4.97B |
Northbrook 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 Northbrook 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 Northbrook Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57082) · FFIEC NIC profile (RSSD 2938198)