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Old Plank Trail Community Bank, National Association
New Lenox, IL·FDIC Cert #58314·Charter: OCC·Est. 20060316.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$3.3B
Q4 2025
Return on Assets
1.16%
-0.03%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.28%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.16%-0.03
ROE
13.57%-0.49
Efficiency
48.28%+0.22
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.66%+1.61
Charge-offs
0.12%+0.04
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 | 1.0 | 1.0 | 1.0 | 1.4 | 1.3 | 1.2 | 1.2 |
| ROE | 13.3 | 12.8 | 12.1 | 12.1 | 16.5 | 15.5 | 14.1 | 13.6 |
| Efficiency | 53.3 | 53.7 | 52.9 | 52.7 | 47.3 | 48.1 | 48.1 | 48.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.5 | 0.5 | 0.4 | 0.5 | 0.4 | 0.4 | 0.5 |
| Charge-offs | 0.5 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 80.3 | 78.6 | 80.7 | 83.6 | 82.2 | 82.2 | 81.0 | 82.7 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.8B
Total Loans$2.3B
Total Equity$288.7M
Profitability
ROA1.16%
ROE13.57%
Efficiency Ratio48.28%
Net Income$36.2M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate0.12%
Loan/Deposit82.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans