Northbrook 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 52.69 percentage points higher than in Q1 2026, at 241.59%. Within Illinois, Northbrook Bank & Trust Company, N.A. is 72nd of 323 on return on assets, 1.62% as of Q2 2026, above the middle of the field. Northbrook Bank & Trust Company, N.A. reported 1.62% on return on assets for Q2 2026, 0.34 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.16% |
| Tier 1 risk-based capital ratio | 11.16% |
| Total risk-based capital ratio | 11.84% |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 8.35% |
| Tangible equity to tangible assets | 8.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 2.93% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | 241.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 18.40% |
| Net interest margin | 3.01% |
| Efficiency ratio | 29.05% |
| Yield on earning assets | 5.40% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.23% |
| Core deposits to total deposits | 82.43% |
| Brokered deposits to total deposits | 12.36% |
| Deposits to assets | 84.18% |
| Securities to assets | 13.70% |
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 | 11.00% | 11.00% | 11.75% | 9.75% | 1.57% |
| Q4 2023 | 11.45% | 11.45% | 12.32% | 9.92% | 1.03% |
| Q1 2024 | 11.05% | 11.05% | 11.86% | 9.57% | 1.30% |
| Q2 2024 | 10.73% | 10.73% | 11.43% | 9.47% | 1.21% |
| Q3 2024 | 11.32% | 11.32% | 12.00% | 9.72% | 1.52% |
| Q4 2024 | 10.59% | 10.59% | 11.25% | 9.21% | 1.43% |
| Q1 2025 | 11.13% | 11.13% | 11.80% | 9.56% | 1.67% |
| Q2 2025 | 10.71% | 10.71% | 11.38% | 9.52% | 1.46% |
| Q3 2025 | 11.24% | 11.24% | 11.99% | 9.60% | 1.43% |
| Q4 2025 | 11.16% | 11.16% | 11.81% | 9.66% | 1.89% |
| Q1 2026 | 10.74% | 10.74% | 11.44% | 9.36% | 1.47% |
| Q2 2026 | 11.16% | 11.16% | 11.84% | 9.38% | 1.62% |
Northbrook 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 Northbrook 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 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)