BlastPoint's Banking Scorecard
Lake Forest Bank & Trust Company, National Association
Mid-Market
Specialty: Commercial
IL
FDIC cert 27589
Lake Forest, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Lake Forest Bank & Trust Company, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8% in Mid-Market
- + Profitability Leader: Top 38% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.4B
+10.9% YoY
+1.6% QoQ
|
-$1.1B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$6.8B
+11.0% YoY
+4.1% QoQ
|
-$360.9M |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$7.4B
+14.2% YoY
+1.7% QoQ
|
-$1.2B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
2.20%
+1.2% YoY
-0.9% QoQ
|
+1.04% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.49%
-7.0% YoY
+0.3% QoQ
|
+0.09% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
41.32%
-3.4% YoY
-0.9% QoQ
|
-15.28% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.36%
+3.0% YoY
+6.5% QoQ
|
-0.33% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
91.91%
-2.8% YoY
+2.4% QoQ
|
+6.44% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
25.42%
-9.6% YoY
+1.9% QoQ
|
+4.78% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.26%
+2.7% YoY
+8.9% QoQ
|
-0.24% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.00%
-0.8% YoY
-1.0% QoQ
|
-2.55% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Bottom 14% in tier |
| Non-Interest Income / Assets ? |
2.05%
+0.1% YoY
+31.5% QoQ
|
+1.09% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#5 of 49 · Top 8% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.05%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
2.20%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#20 of 51 · Top 38% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.20%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (1)
Credit Quality Pressure
risk
#11 of 113 · Bottom 9% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.36%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.20% · Tier avg: 1.16%
94
94th pctile
Non-Interest Income / Assets
Current: 2.05% · Tier avg: 0.96%
89
89th pctile
Efficiency Ratio
Current: 41.32% · Tier avg: 56.60%
72
72th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.68%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 25.42% · Tier avg: 20.64%
61
61th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
60
60th pctile
Total Assets
Current: $9.4B · Tier avg: $10.5B
57
57th pctile
Total Deposits
Current: $7.4B · Tier avg: $8.5B
51
51th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.40%
33
33th pctile
Loan-to-Deposit Ratio
Current: 91.91% · Tier avg: 85.47%
14
14th pctile
Tier 1 Capital Ratio
Current: 11.00% · Tier avg: 13.55%
Top Weaknesses
14
14th pctile
Tier 1 Capital Ratio
Current: 11.00% · Tier avg: 13.55%
33
33th pctile
Loan-to-Deposit Ratio
Current: 91.91% · Tier avg: 85.47%
51
51th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.40%
57
57th pctile
Total Deposits
Current: $7.4B · Tier avg: $8.5B
60
60th pctile
Total Assets
Current: $9.4B · Tier avg: $10.5B
61
61th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 25.42% · Tier avg: 20.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.68%
89
89th pctile
Efficiency Ratio
Current: 41.32% · Tier avg: 56.60%
94
94th pctile
Non-Interest Income / Assets
Current: 2.05% · Tier avg: 0.96%
95
95th pctile
Return on Assets
Current: 2.20% · Tier avg: 1.16%