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Lake Forest Bank & Trust Company, National Association
Lake Forest, IL·FDIC Cert #27589·Charter: OCC·Est. 19860521.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$9.4B
Q4 2025
Return on Assets
2.20%
-0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
41.32%
Peer avg: 56.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.20%-0.02
ROE
24.18%-0.26
Efficiency
41.32%-0.39
Equity/Assets
0.00%+0.00
NPL Ratio
0.36%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.91%+2.12
Charge-offs
0.09%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.1 | 2.2 | 2.2 | 2.2 | 2.0 | 2.2 | 2.2 | 2.2 |
| ROE | 21.4 | 23.7 | 23.3 | 23.0 | 21.4 | 24.3 | 24.4 | 24.2 |
| Efficiency | 43.6 | 42.0 | 42.5 | 42.8 | 43.2 | 41.4 | 41.7 | 41.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.1 | 0.4 | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 |
| Charge-offs | 0.3 | 0.3 | 0.2 | 0.2 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 95.3 | 90.8 | 96.9 | 94.5 | 88.7 | 86.4 | 89.8 | 91.9 |
Balance Sheet
Total Assets$9.4B
Total Deposits$7.4B
Total Loans$6.8B
Total Equity$861.4M
Profitability
ROA2.20%
ROE24.18%
Efficiency Ratio41.32%
Net Income$199.9M
Risk & Asset Quality
NPL Ratio0.36%
Charge-off Rate0.09%
Loan/Deposit91.91%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans