FDIC Cert #27589 · Lake Forest, Illinois · Est. 1986

Lake Forest Bank & Trust Company, National Association - FDIC Bank Health Profile

A community-scale look at Lake Forest Bank & Trust Company, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$9.4B
Total assets
A
Health grade · Excellent
2.20%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

Lake Forest Bank & Trust Company, National Association earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.00% Tier 1, profitable at 2.20% ROA, efficient (41% cost ratio).

#168
largest of 4,313 FDIC banks by assets
96th
percentile by asset size, nationally
11.00%
Tier 1 ratio - above the 10% well-capitalized line
93rd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 27589 · IL A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #856/4307
  • PHOTO-FINISH Waycross Bank & Trust · GA
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-STRONG 2.20% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Waycross Bank & Trust, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Lake Forest Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Lake Forest Bank & T… · IL ·…88/100San Luis Valley Fede… · CO ·…88/100Sanger Bank · TX · near88/100The Cincinnatus Savi… · OH ·…88/100Waycross Bank & Trust · GA ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Lake Forest Bank & Trust Company · July 2026

Call Report read for Lake Forest Bank & Trust Company in a high-failure state

Lake Forest Bank & Trust Company, National Association (FDIC Cert #27589) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #856 of 4,307. Tier 1 capital prints at 11.00%, clearing the 10% well-capitalized line. The Texas Ratio is 2.65%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.20%. Balance-sheet scale is $9.4B, 168th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Waycross Bank & Trust (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Lake Forest Bank & Trust Company

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Lake Forest Bank & Trust Company, National Association sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Lake Forest Bank & Trust Company, National Association's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Lake Forest Bank & Trust Company, National Association's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Lake Forest Bank & Trust Company, National Association's composite health score
Tier 1 Capital Ratio (11.00%) 28/40
Return on Assets (ROA) (2.20%) 25/25
Texas Ratio (2.65%) 20/20
Efficiency Ratio (41.32%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$9.4B

Total balance-sheet footings

Total Deposits

$7.4B

Customer-funded liabilities

Net Loans

$6.8B

Outstanding loan book

Net Income

$200M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.6% 11% 12.4%
Basel III capital ratios - Lake Forest Bank & Trust Company, National Association

Where Lake Forest Bank & Trust Company, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lake Forest Bank & Trust Company, National Association's score of 88/100 falls in the highlighted band.

Lake Forest Bank & Trust Company, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Lake Forest Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Lake Forest Bank & Trust Company, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lake Forest Bank & Trust Company, National Association's $9.4B falls in the highlighted band.

Capital & credit buffers at Lake Forest Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

11.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.00%
Texas Ratio
2.65%
Equity Capital
$861M

What these ratios mean →

Earnings posture at Lake Forest Bank & Trust Company

Return on Assets (ROA)
93rd percentile nationally
2.20%
Return on Equity (ROE)
24.18%
Efficiency Ratio
41.32%

What these mean →

Income & expense at Lake Forest Bank & Trust Company

$490M
Interest Income
$193M
Non-Interest Income
$200M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Lake Forest Bank & Trust Company, National Association reports a Texas Ratio of 2.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Lake Forest Bank & Trust Company, National Association on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($9.4B here), outside Illinois so the neighborhood is not state containment.

The Bancorp Bank $9.3B · SD Principal Bank $9.3B · IA Merrick Bank $9.3B · UT Woodforest National Bank $9.2B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lake Forest Bank & Trust Company, National Association (FDIC Cert #27589) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Lake Forest Bank & Trust Company, National Association Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
First American BankElk Grove Village $8.1B A 1.72%
First Mid Bank & Trust, National AssociationMattoon $7.9B A 1.15%