Lake Forest Bank & Trust Company, National Association

Lake Forest, IL

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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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	6.90
Capitalization Index	7.00
Liquidity Index	2.30
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	11.29%
5-Year Asset Growth	17.34%
5-Year Charge-Offs to Average Loans	0.03%
Charge-Offs to Average Loans	0.06%
Non-Performing Assets to Assets	0.30%
Non-Performing Loans to Capital	2.76%
Non-Performing Loans to Loans	0.43%

Balance Sheet	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	9.54B
Total Deposits	7.28B

Capital and Reserves	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Capital	843.04M
Leverage Ratio	9.52
Loan Loss Reserves to Loans	0.68%
Risk-Based Capital Ratio	11.98

Liquidity	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	7.96%
Liquidity Ratio	20.35%

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	98.65M
Net Interest Spread	3.46%
Operating Profit to Average Assets	3.08%
Overhead Efficiency Ratio	41.43%
Return on Assets	2.25%
Return on Equity	24.27%