BlastPoint's Banking Scorecard
Northbrook Bank and Trust Company, National Association
Mid-Market
Specialty: Commercial
IL
FDIC cert 57082
Northbrook, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Northbrook Bank and Trust Company, National Association has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27% in Mid-Market
- + Efficiency Ratio 24.73% below tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 1% in Mid-Market
- - Deposit Outflow: Bottom 3% in Mid-Market
- - Credit Quality Pressure: Bottom 6% in Mid-Market
- - Capital Thin: Bottom 30% in Mid-Market
- - Credit Risk Growth: Bottom 41% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
-3.0% YoY
+3.0% QoQ
|
-$4.6B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$4.2B
+9.2% YoY
+2.2% QoQ
|
-$2.9B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$4.9B
-5.6% YoY
+2.5% QoQ
|
-$3.7B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.50%
+17.0% YoY
+6.5% QoQ
|
+0.33% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
2.80%
+2.2% YoY
+1.0% QoQ
|
-0.59% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
31.87%
-9.8% YoY
-2.8% QoQ
|
-24.73% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.25%
+2.9% YoY
+8.8% QoQ
|
-0.44% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
85.82%
+15.7% YoY
-0.4% QoQ
|
+0.35% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
22.96%
-25.0% YoY
-0.6% QoQ
|
+2.32% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.24%
+12.2% YoY
+4.8% QoQ
|
-0.26% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.16%
+5.3% YoY
-0.7% QoQ
|
-2.39% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.37%
-7.3% YoY
+29.9% QoQ
|
-0.59% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#14 of 50 · Top 27% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 6%
in Mid-Market
Why this stands out
Current:
31.87%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (5)
Capital Constraint
risk
#1 of 9 · Bottom 1% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
85.82%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.16%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
Deposit Outflow
decline
#2 of 33 · Bottom 3% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Credit Quality Pressure
risk
#8 of 113 · Bottom 6% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#16 of 51 · Bottom 30% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.16%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#36 of 87 · Bottom 41% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 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
94
94th pctile
Efficiency Ratio
Current: 31.87% · Tier avg: 56.60%
80
80th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 22.96% · Tier avg: 20.64%
54
54th pctile
Loan-to-Deposit Ratio
Current: 85.82% · Tier avg: 85.47%
23
23th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.40%
21
21th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.96%
20
20th pctile
Total Loans
Current: $4.2B · Tier avg: $7.1B
17
17th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
16
16th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
15
15th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 13.55%
Top Weaknesses
15
15th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 13.55%
16
16th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
17
17th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
20
20th pctile
Total Loans
Current: $4.2B · Tier avg: $7.1B
21
21th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.96%
23
23th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.40%
54
54th pctile
Loan-to-Deposit Ratio
Current: 85.82% · Tier avg: 85.47%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 22.96% · Tier avg: 20.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
80
80th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
94
94th pctile
Efficiency Ratio
Current: 31.87% · Tier avg: 56.60%