Lake Forest Bank & Trust Company, National Association is a national bank headquartered in Lake Forest, Illinois, in business for about 40 years. At the end of Q2 2026 it reported $9.3B in total assets and $7.3B in deposits, with 10 offices across 2 states.
Lake Forest Bank & Trust Company, National Association has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 149th. Earnings contributes the most (100/100, 1.99%); funding & liquidity contributes the least (29/100, 94% loans-to-deposits, 49% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 71 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 70 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.76% |
| Q3 2024 | 10.13% |
| Q4 2024 | 9.70% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.52% |
| Q3 2025 | 9.19% |
| Q4 2025 | 9.09% |
| Q1 2026 | 9.57% |
| Q2 2026 | 9.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.23% |
| Q3 2024 | 2.22% |
| Q4 2024 | 2.18% |
| Q1 2025 | 1.99% |
| Q2 2025 | 2.21% |
| Q3 2025 | 2.22% |
| Q4 2025 | 2.20% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $9.3B | 9.93% | 0.34% | 1.99% | 94.2% |
| Q1 2026 | 68 | $9.0B | 9.57% | 0.35% | 1.74% | 96.6% |
| Q4 2025 | 68 | $9.4B | 9.09% | 0.35% | 2.20% | 91.9% |
| Q3 2025 | 70 | $9.2B | 9.19% | 0.33% | 2.22% | 89.8% |
| Q2 2025 | 72 | $9.5B | 9.52% | 0.30% | 2.21% | 86.4% |
| Q1 2025 | 71 | $8.7B | 9.61% | 0.33% | 1.99% | 88.7% |
| Q4 2024 | 70 | $8.5B | 9.70% | 0.34% | 2.18% | 94.5% |
| Q3 2024 | 71 | $8.4B | 10.13% | 0.37% | 2.22% | 96.9% |
| Q2 2024 | 74 | $8.6B | 9.76% | 0.12% | 2.23% | 90.8% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| Wintrust Bank, National AssociationBank Chicago, IL | 75 out of 100, Strong | $9.6B | 11.4% | 0.36% | vs |
| First American BankBank Elk Grove Village, IL | 63 out of 100, Moderate | $8.6B | 7.6% | 0.60% | vs |
| Byline BankBank Chicago, IL | 74 out of 100, Strong | $9.9B | 12.9% | 0.93% | vs |
| Old Second National BankBank Aurora, IL | 71 out of 100, Strong | $6.9B | 12.0% | 1.08% | vs |
| Hinsdale Bank & Trust Company, National AssociationBank Hinsdale, IL | 69 out of 100, Moderate | $6.8B | 9.2% | 0.16% | vs |
Deposit insurance
Is my money safe at Lake Forest Bank & Trust Company, National Association?
Yes. Lake Forest Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #27589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 48.7% of deposits ($3.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.02% (benchmark: 10%).
10 locations
Branches
Lake Forest Bank & Trust Company, National Association lists 9 offices in 8 cities across 2 states. Most locations:
- Lake Forest, IL (2)
- Bonita Springs, FL (1)
- Cape Coral, FL (1)
- Highland Park, IL (1)
- Highwood, IL (1)
- Lake Bluff, IL (1)
- Naples, FL (1)
- Waukegan, IL (1)
HMDA 2025
Mortgage lending
In 2025, Lake Forest Bank & Trust Company, National Association reported 176 home-loan applications under HMDA (LEI 5493004MWCDBCBTXE044): 155 originated ($175,255,000 total), 4 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, 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
- Lake Forest Bank & Trust Company, National Association
- Former names
- Lake Forest Bank and Trust Company; Crabtree Trust Company
- Type
- National bank
- FDIC certificate #
- 27589
- RSSD ID
- 1917301
- Primary regulator
- OCC
- Holding company
- Wintrust Financial Corp
- Established
- May 21, 1986
- Headquarters
- 727 N Bank Ln, Lake Forest, IL 60045
- Website
- www.lakeforestbank.com
- Employees
- 803
Quick answers
Lake Forest Bank & Trust Company, National Association: common questions
Is Lake Forest Bank & Trust Company, National Association FDIC insured?
Yes. Lake Forest Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #27589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lake Forest Bank & Trust Company, National Association's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lake Forest Bank & Trust Company, National Association ever failed?
There is no failure record for FDIC certificate #27589 in the FDIC failed bank list.
How many branches does Lake Forest Bank & Trust Company, National Association have?
10 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Lake Forest
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL | 86 out of 100, Very strong | $41.4M | 13.7% | 0.09% | vs |
| 1st Equity BankBank Skokie, IL | 85 out of 100, Very strong | $130.0M | 16.5% | 0.00% | vs |
| A.A.E.C. Credit UnionCredit union Arlington Heigh, IL | 84 out of 100, Strong | $118.9M | 13.0% | 0.02% | vs |
| Brickyard BankBank Lincolnwood, IL | 84 out of 100, Strong | $159.0M | 15.6% | 0.13% | vs |