Lake Forest Bank & Trust Company, National Association

Lake Forest, IL

Rating Date

June 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.80
Capitalization Index	7.00
Liquidity Index	1.50
Profitability Index	9.50
Stability Index	5.00

Company Info	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
FDIC Number	27589
Phone Number	(847) 234-2882
Website	www.lakeforestbank.com

Asset Quality	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	12.63%
5-Year Asset Growth	17.34%
5-Year Charge-Offs to Average Loans	0.03%
Charge-Offs to Average Loans	0.02%
Non-Performing Assets to Assets	0.34%
Non-Performing Loans to Capital	2.85%
Non-Performing Loans to Loans	0.47%

Balance Sheet	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	8.72B
Total Deposits	6.65B

Capital and Reserves	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Capital	813.87M
Leverage Ratio	9.61
Loan Loss Reserves to Loans	0.78%
Risk-Based Capital Ratio	12.34

Liquidity	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	12.06%
Liquidity Ratio	15.97%

Profitability	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.97%
Net Income	42.65M
Net Interest Spread	3.44%
Operating Profit to Average Assets	2.70%
Overhead Efficiency Ratio	43.16%
Return on Assets	1.98%
Return on Equity	21.40%