Lake Forest Bank & Trust Company, National Association: how it compares with its peers
Against 13 IL banks with half to twice its assets, Lake Forest Bank & Trust Company, National Association's strongest measure in Q2 2026 is return on assets (1.99% vs. a 1.48% peer median). Its weakest relative measure is net interest margin (3.39% vs. 3.65%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.99% | 1.48% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.39% | 3.65% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.36% | 49.49% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.5M | $9.6M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.16% | 86.03% | Context |
What it means for lending operations
Its efficiency ratio of 42.36% is better than the 49.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Mid Bank & Trust, National Association Mattoon, IL · $9.14B
- Wintrust Bank, National Association Chicago, IL · $9.57B
- First American Bank Elk Grove Village, IL · $8.63B
- Byline Bank Chicago, IL · $9.91B
- Old Second National Bank Aurora, IL · $6.86B
- Hinsdale Bank & Trust Company, National Association Hinsdale, IL · $6.80B
Questions about Lake Forest Bank & Trust Company, National Association
How big is Lake Forest Bank & Trust Company, National Association?
Lake Forest Bank & Trust Company, National Association, established in 1986, is headquartered in Lake Forest, IL. It reported $9.25B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Lake Forest Bank & Trust Company, National Association's return on assets?
1.99% annualized in Q2 2026, against a 1.48% median for 13 IL banks with half to twice its assets, ahead of 100% of them.
What is Lake Forest Bank & Trust Company, National Association's efficiency ratio?
42.36% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 49.49%, and lower is better.
Is Lake Forest Bank & Trust Company, National Association growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits shrank 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.