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Hinsdale Bank & Trust Company, National Association
Hinsdale, IL·FDIC Cert #33849·Charter: OCC·Est. 19931028.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$6.1B
Q4 2025
Return on Assets
1.53%
-0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
38.83%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.53%-0.01
ROE
14.31%-0.14
Efficiency
38.83%-0.41
Equity/Assets
0.00%+0.00
NPL Ratio
0.15%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.61%+1.79
Charge-offs
0.02%+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 | 1.4 | 1.4 | 1.4 | 1.3 | 1.5 | 1.4 | 1.5 | 1.5 |
| ROE | 12.8 | 13.0 | 13.0 | 12.6 | 14.2 | 13.7 | 14.4 | 14.3 |
| Efficiency | 43.9 | 44.1 | 44.2 | 43.8 | 40.4 | 39.9 | 39.2 | 38.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.3 | 0.3 | 0.1 | 0.1 | 0.2 | 0.1 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Loan/Deposit | 85.5 | 91.0 | 91.9 | 92.7 | 91.7 | 92.5 | 90.8 | 92.6 |
Balance Sheet
Total Assets$6.1B
Total Deposits$4.9B
Total Loans$4.5B
Total Equity$663.7M
Profitability
ROA1.53%
ROE14.31%
Efficiency Ratio38.83%
Net Income$88.2M
Risk & Asset Quality
NPL Ratio0.15%
Charge-off Rate0.02%
Loan/Deposit92.61%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans