Old Plank Trail Community Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Old Plank Trail Community Bank, N.A. is an FDIC-insured commercial bank headquartered in New Lenox, IL, established in 2006 (FDIC certificate 58314), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.53B, up 12.7% from Q2 2025, the 23rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.81% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58314
- Headquarters
- New Lenox, IL
- Established
- 2006
- Total assets, Q2 2026
- $3.53B
- Assets vs Q2 2025
- +12.7%
- CET1 ratio, Q2 2026
- 10.81%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 071926582
- Latest call report
- Q2 2026, FFIEC 041 · Old Plank Trail Community Bank, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 23rd of 319 in Illinois
Old Plank Trail Community Bank, N.A. operates with a thinner capital cushion than most banks of its size. The New Lenox, Illinois bank had $3.5 billion in assets at June 30, 2026, up 12.7% from a year earlier. It holds common equity equal to 10.81% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents). It has also been growing, with assets up 12.7% in a year.
The non-owner-occupied commercial real estate book ($268 million) is worsening: 3.44% of it is past due or on nonaccrual, up from 0.72% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $85 million equal 28% of Tier 1 capital, down from 34% a year earlier.
As of June 30, 2026, Old Plank Trail Community Bank, N.A. reported a CET1 capital ratio of 10.81%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 2.48%. The figures come from its call report filed with the FFIEC.
Old Plank Trail Community Bank, N.A. ranks as the 23rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.4% to $3.53B, loans rose 4.8% and deposits rose 8.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 46.1% of total loans, ahead of other consumer loans at 15.7%. Its 16 offices in the FDIC Summary of Deposits are in 15 cities across 2 states; its New Lenox office books 22% of its branch deposits. On its Q2 2026 call report, Old Plank Trail Community Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 280 Veterans Pkwy, New Lenox, IL 60451
- County
- Will
- 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
- March 16, 2006
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 173
- Domestic deposits
- $3.12B
- Allowance for credit losses
- $15.4M
- Net charge-offs (YTD)
- $3.1M
- Average total assets
- $3.45B
- Average total loans
- $2.42B
- Average interest-bearing deposits
- $2.50B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 16, 2006
- FDIC Cert
- 58314
- Fed RSSD
- 3404207
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.oldplanktrailbank.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
Old Plank Trail Community Bank, N.A.'s total assets moved between a low of $2.49B (Q3 2023) and a high of $3.53B (Q2 2026) from Q3 2023 to Q2 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
$3.53B total assets against $3.13B; $3.24B total liabilities against $2.87B.
$2.49B net loans and leases against $2.28B; $3.12B total deposits against $2.77B.
$729.7M securities against $581.2M; $188.4M cash and balances due against $134.4M.
$43.1M total interest income against $41.1M; $17.1M total interest expense against $17.4M.
$26.1M net interest income against $23.7M.
$2.3M total noninterest income against $2.1M; $13.5M total noninterest expense against $12.6M.
$1.9M provision for credit losses against $245K.
$9.6M net income against $9.5M.
1.11% return on assets against 1.23%; 3.13% net interest margin against 3.16%.
10.81% CET1 capital ratio against 10.72%; 8.82% tier 1 leverage ratio against 8.92%.
Inside the full Old Plank Trail Community Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Old Plank Trail Community Bank, N.A. rankings
Its closest position to the top of a national ranking is 360 of 4,196, for total assets; its furthest is 1,995 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q3 2024) to 1.42% (Q1 2025) and its net interest margin ran from 3.13% (Q4 2024) to 3.32% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.81% | 1.11% | 0.28% | 2.48% | 3.13% |
| Q1 2026 | 10.93% | 1.30% | 0.32% | 2.71% | 3.24% |
| Q4 2025 | 11.04% | 1.07% | 0.52% | 4.25% | 3.18% |
| Q3 2025 | 10.77% | 0.95% | 0.42% | 3.57% | 3.13% |
| Q2 2025 | 10.72% | 1.23% | 0.43% | 3.68% | 3.16% |
| Q1 2025 | 10.70% | 1.42% | 0.48% | 4.37% | 3.32% |
| Q4 2024 | 10.59% | 0.99% | 0.41% | 3.83% | 3.13% |
| Q3 2024 | 10.60% | 0.90% | 0.54% | 4.82% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Old Plank Trail Community Bank, N.A. (main office) | New Lenox , IL | 60451 | $680.6M |
| Mokena Office Branch | Mokena , IL | 60448 | $630.3M |
| First National Bank of Illinois Branch | Lansing , IL | 60438 | $240.8M |
| Frankfort Office Branch | Frankfort , IL | 60423 | $217.5M |
| Orland Park Branch | Orland Park , IL | 60462 | $213.3M |
| First United Bank Branch | Crete , IL | 60417 | $196.5M |
| Steger Facility | Steger , IL | 60475 | $147.8M |
| First National Bank of Illinois Branch | Dyer , IN | 46311 | $132.3M |
| Wintrust Indiana - Crown Point Branch | Crown Point , IN | 46307 | $122.2M |
| Frankfort Banking Facility | Frankfort , IL | 60423 | $98.1M |
| Markham Branch | Markham , IL | 60428 | $93.8M |
| Homer Glen Branch | Homer Glen , IL | 60491 | $90.4M |
| Joliet-Merrycrest Branch | Joliet , IL | 60435 | $75.1M |
| Shorewood Branch | Shorewood , IL | 60404 | $71.8M |
| Wintrust - Tinley Park Branch | Tinley Park , IL | 60477 | $61.0M |
| Lynwood Facility | Chicago Heights , IL | 60411 | $47.0M |
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 |
|---|---|---|---|
| May 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Structure Change | Acquired First National Bank of Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2012 | Structure Change | Acquired First United Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 28, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 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
- 0.4% of deposits in IL, rank 32 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 181 applications, 138 loans originated, $140.5M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.3M approved, $427K 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 Old Plank Trail Community Bank, N.A.
What are Old Plank Trail Community Bank, N.A.'s total assets?
As of the Q2 2026 filing, Old Plank Trail Community Bank, N.A. reported total assets of $3.53 billion in its FFIEC call report.
Where is Old Plank Trail Community Bank, N.A. headquartered?
It is headquartered in New Lenox, IL, United States.
When was Old Plank Trail Community Bank, N.A. founded?
It was established in 2006, per the FDIC institution directory.
Is Old Plank Trail Community Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Old Plank Trail Community Bank, N.A.?
Old Plank Trail Community Bank, N.A.'s primary federal regulator is the OCC.
What is Old Plank Trail Community Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Old Plank Trail Community Bank, N.A. operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Old Plank Trail Community Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 2.48% 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.
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