Northbrook 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 Northbrook Bank & Trust Company, N.A. of Northbrook, IL against its peer group of 927 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 | 1.62% | 1.46% | +0.16% | 72nd above |
| ROAE | 18.40% | 12.68% | +5.72% | 85th top |
| Net Interest Margin | 3.01% | 3.85% | -0.84% | 15th bottom |
| Efficiency Ratio | 29.05% | 57.47% | -28.42% | 98th top |
| PPNR / Avg Assets | 2.29% | 1.88% | +0.41% | 81st top |
| Yield on Earning Assets | 5.40% | 5.72% | -0.32% | 42nd below |
| Cost of Funds | 2.26% | 2.02% | +0.24% | 33rd below |
| Net Interest Spread | 2.29% | 3.18% | -0.89% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 1.00% | -0.75% | 77th top |
| NPA / Total Assets | 0.23% | 0.76% | -0.53% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.43% | -0.26% | 21st bottom |
| ACL / Total Loans | 0.61% | 1.31% | -0.70% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 241.59% | 565.17% | -323.58% | 62nd above |
| Texas Ratio | 2.93% | 7.40% | -4.47% | 66th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 217.13% | 619.72% | -402.59% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.16% | 17.35% | -6.19% | 12th bottom |
| Tier 1 Ratio | 11.16% | 17.39% | -6.23% | 12th bottom |
| Total Capital Ratio | 11.84% | 18.44% | -6.60% | 7th bottom |
| Leverage Ratio | 9.38% | 11.44% | -2.06% | 20th bottom |
| Equity / Assets | 8.35% | 11.34% | -2.99% | 10th bottom |
| TCE / Tangible Assets | 8.13% | 10.51% | -2.38% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.23% | 86.96% | -3.73% | 63rd above |
| Core Deposit Ratio | 82.43% | 85.56% | -3.13% | 26th below |
| Uninsured Deposit Ratio | 39.70% | 33.11% | +6.59% | 27th below |
| Wholesale Funding Ratio | 6.68% | 5.70% | +0.98% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.49% | 9.67% | +1.82% | 80th top |
| Loan Growth (Y/Y) | 9.02% | 8.06% | +0.96% | 70th above |
| Deposit Growth (Y/Y) | 11.61% | 7.87% | +3.74% | 80th top |
See Northbrook Bank & Trust Company, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northbrook 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 Northbrook Bank & Trust Company, N.A. profile, how to read a UBPR, or how this data updates.