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Barrington Bank & Trust Company, National Association
Barrington, IL·FDIC Cert #34395·Charter: OCC·Est. 19961219.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$4.8B
Q4 2025
Return on Assets
1.04%
-0.10%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.32%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
45
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.04%-0.10
ROE
9.46%-0.86
Efficiency
71.32%+0.98
Equity/Assets
0.00%+0.00
NPL Ratio
5.39%+0.62
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
102.68%+2.51
Charge-offs
0.05%-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 | 1.1 | 1.1 | 0.9 | 0.9 | 0.8 | 1.0 | 1.1 | 1.0 |
| ROE | 9.6 | 10.3 | 8.1 | 7.9 | 6.9 | 9.0 | 10.3 | 9.5 |
| Efficiency | 71.4 | 72.6 | 77.3 | 77.5 | 75.4 | 72.6 | 70.3 | 71.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 5.4 | 5.6 | 6.0 | 6.3 | 5.3 | 4.5 | 4.8 | 5.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 101.0 | 102.4 | 100.5 | 104.9 | 100.5 | 102.0 | 100.2 | 102.7 |
Balance Sheet
Total Assets$4.8B
Total Deposits$3.7B
Total Loans$3.8B
Total Equity$519.7M
Profitability
ROA1.04%
ROE9.46%
Efficiency Ratio71.32%
Net Income$48.2M
Risk & Asset Quality
NPL Ratio5.39%
Charge-off Rate0.05%
Loan/Deposit102.68%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans