TellerScore

Barrington Bank & Trust Company, National Association is a national bank headquartered in Barrington, Illinois, in business for about 30 years. At the end of Q2 2026 it reported $5.2B in total assets and $4.1B in deposits, with 9 offices.

Based on its Q2 2026 filing, Barrington Bank & Trust Company, National Association scores 42/100, which we describe as below average. That is higher than only 3% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 308th. Its strongest component is earnings (71/100; 1.27%), and its lowest is loan quality (0/100; 4.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.08%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.75%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 93.6% · 23.1% uninsured
Problem-loan coverage33/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 33.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (40 → 42), mostly because the earnings component improved by 12 points.

TellerScore
363942Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202440
Q3 202439
Q4 202436
Q1 202538
Q2 202540
Q3 202541
Q4 202538
Q1 202640
Q2 202642
Tier 1 leverage ratio
5.00%8.01%11.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.53%
Q3 202411.03%
Q4 202410.66%
Q1 202510.85%
Q2 202510.90%
Q3 202510.85%
Q4 202510.42%
Q1 202610.46%
Q2 202610.08%
Noncurrent loans
4.50%5.39%6.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20245.55%
Q3 20245.94%
Q4 20246.28%
Q1 20255.23%
Q2 20254.50%
Q3 20254.75%
Q4 20255.36%
Q1 20265.13%
Q2 20264.75%
Return on assets
0.76%1.01%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.14%
Q3 20240.89%
Q4 20240.87%
Q1 20250.76%
Q2 20250.99%
Q3 20251.13%
Q4 20251.04%
Q1 20261.18%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$5.2B10.08%4.75%1.27%93.6%
Q1 202640$4.9B10.46%5.13%1.18%100.2%
Q4 202538$4.8B10.42%5.36%1.04%102.7%
Q3 202541$4.9B10.85%4.75%1.13%100.2%
Q2 202540$4.7B10.90%4.50%0.99%102.0%
Q1 202538$4.5B10.85%5.23%0.76%100.5%
Q4 202436$4.3B10.66%6.28%0.87%104.9%
Q3 202439$4.4B11.03%5.94%0.89%100.5%
Q2 202440$4.2B10.53%5.55%1.14%102.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.08%
39th
Total risk-based capital11.53%
28th
Problem loans4.75%
1st
Net charge-offs0.08%
36th
Return on assets1.27%
51st
Net interest margin3.24%
24th
Efficiency ratio68.4%
24th
Loans to deposits93.6%
30th
Uninsured deposits23.1%
76th
Loan-loss reserves0.63%
8th
Texas ratio33.7%
0th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Morton Community BankBank Morton, IL72 out of 100, Strong$5.3B10.6%0.81%vs
Wheaton Bank & Trust, National AssociationBank Wheaton, IL67 out of 100, Moderate$4.8B9.1%0.53%vs
State Bank of IndiaBank Chicago, IL41 out of 100, Below average$4.3B0.0%0.00%vs
United Community BankBank Chatham, IL72 out of 100, Strong$4.1B10.2%0.31%vs
Northbrook Bank and Trust Company, National AssociationBank Northbrook, IL68 out of 100, Moderate$6.4B9.4%0.27%vs
Carrollton BankBank Carrollton, IL58 out of 100, Moderate$3.9B8.0%0.36%vs

Deposit insurance

Is my money safe at Barrington Bank & Trust Company, National Association?

Yes. Barrington Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #34395). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.1% of deposits ($955.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.53% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Barrington Bank & Trust Company, National Association lists 9 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Barrington Bank & Trust Company, National Association reported 11,591 home-loan applications under HMDA (LEI C398JSK21YCXWM603F55): 7,752 originated ($2,668,850,000 total), 788 denied, and 2,938 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Barrington Bank & Trust Company, National Association
Type
National bank
FDIC certificate #
34395
RSSD ID
2508751
Primary regulator
OCC
Holding company
Wintrust Financial Corp
Established
December 19, 1996
Headquarters
201 S Hough St, Barrington, IL 60010
Employees
703

Quick answers

Barrington Bank & Trust Company, National Association: common questions

Is Barrington Bank & Trust Company, National Association FDIC insured?

Yes. Barrington Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #34395). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Barrington Bank & Trust Company, National Association's TellerScore?

42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Barrington Bank & Trust Company, National Association ever failed?

There is no failure record for FDIC certificate #34395 in the FDIC failed bank list.

How many branches does Barrington Bank & Trust Company, National Association have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Barrington

InstitutionScoreAssetsCapitalProblem loansCompare
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL86 out of 100, Very strong$41.4M13.7%0.09%vs
A.A.E.C. Credit UnionCredit union Arlington Heigh, IL84 out of 100, Strong$118.9M13.0%0.02%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs