Lake Forest Bank & Trust Company, National Association

Lake Forest, IL

Rating Date

April 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	0.80
Profitability Index	9.80
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	4.92%
5-Year Asset Growth	17.34%
5-Year Charge-Offs to Average Loans	0.14%
Charge-Offs to Average Loans	0.15%
Non-Performing Assets to Assets	0.38%
Non-Performing Loans to Capital	3.13%
Non-Performing Loans to Loans	0.51%

Balance Sheet	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	8.46B
Total Deposits	6.28B

Capital and Reserves	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Capital	780.55M
Leverage Ratio	9.70
Loan Loss Reserves to Loans	0.65%
Risk-Based Capital Ratio	11.77

Liquidity	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	9.96%
Liquidity Ratio	12.73%

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	1.96%
Net Income	179.45M
Net Interest Spread	3.68%
Operating Profit to Average Assets	3.05%
Overhead Efficiency Ratio	42.80%
Return on Assets	2.21%
Return on Equity	23.07%