Northbrook 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.
Cre concentration (tier 1 capital + allowance) dropped 8.10 percentage points in Q2 2026, from 192.13% to 184.03%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Northbrook Bank & Trust Company, N.A. is 107th of 323 on loan-to-deposit ratio, 83.23% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Northbrook Bank & Trust Company, N.A. sits 4.98 points lower, at 83.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.46B |
| Net loans and leases | $4.43B |
| Loans held for sale | $0 |
| Loans to total assets | 70.06% |
| Loan-to-deposit ratio | 83.23% |
| Net loans to equity capital | 8.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.56% |
| Multifamily (5+ residential) | 6.03% |
| Commercial and industrial | 48.38% |
| Consumer | 10.27% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 184.03% |
| Construction concentration (Tier 1 capital + allowance) | 44.15% |
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 | 5.84% |
| Interest income on loans | $64.6M |
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 | $3.34B | $3.85B | 15.95% | 46.03% | 15.48% |
| Q4 2023 | $3.26B | $4.00B | 17.09% | 43.26% | 16.24% |
| Q1 2024 | $3.41B | $4.26B | 16.01% | 44.71% | 15.86% |
| Q2 2024 | $3.58B | $4.14B | 15.12% | 48.42% | 13.59% |
| Q3 2024 | $3.53B | $4.31B | 14.88% | 46.74% | 14.17% |
| Q4 2024 | $3.85B | $5.16B | 13.68% | 50.82% | 12.82% |
| Q1 2025 | $3.85B | $4.51B | 13.46% | 51.38% | 12.27% |
| Q2 2025 | $4.09B | $4.80B | 14.18% | 51.16% | 10.81% |
| Q3 2025 | $4.12B | $4.75B | 14.05% | 46.84% | 10.60% |
| Q4 2025 | $4.21B | $4.87B | 13.92% | 45.36% | 10.57% |
| Q1 2026 | $4.39B | $5.83B | 13.66% | 48.91% | 10.07% |
| Q2 2026 | $4.46B | $5.36B | 13.56% | 48.38% | 10.27% |
Northbrook 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 Northbrook 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 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)