Advertisement
Lake Forest Bank & Trust Company, National Association
Lake Forest, IL · FDIC Certificate #27589 · Chartered 05/2
Total assets
$9.25B
Total deposits
$7.28B
Total equity
$878.82M
Net loans
$6.86B
Branches (offices)
10
Net income (YTD)
$91.57M
Rank: #173 of 4,213 U.S. banks by assets · #7 of 322 in Illinois. Assets changed -3.1% and deposits -2.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 21.10% |
| Net interest margin (YTD) | 3.39% |
| Equity to assets | 9.50% |
| Tier 1 leverage ratio | 9.93% |
| Uninsured deposits (share of deposits) | 48.7% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 94.2% |
| Real estate loans (share of loans) | 24.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.70B | 24.8% | |
| Commercial & industrial | $4.06B | 59.2% | |
| Consumer / individual | $675.36M | 9.9% | |
| Construction & development | $251.78M | 3.7% | |
| Agricultural | $1.82M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $8.14B | $6.87B | $68.03M | $660.49M |
| Jun 2023 | $7.86B | $5.91B | $79.25M | $713.16M |
| Jun 2024 | $8.58B | $6.50B | $90.48M | $761.10M |
| Jun 2025 | $9.54B | $7.48B | $98.65M | $843.04M |
| Jun 2026 | $9.25B | $7.28B | $91.57M | $878.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $6.88B | 7 |
| Florida | $229.28M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.10B.
Similar-sized banks
1St Source Bank ($9.26B) · Union Bank And Trust Company ($9.24B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement