Lake Forest Bank & Trust Company, National Association

Lake Forest, IL

Rating Date

August 2026

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	7.20
Capitalization Index	7.80
Liquidity Index	0.80
Profitability Index	9.30
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	-3.07%
5-Year Asset Growth	11.65%
5-Year Charge-Offs to Average Loans	0.04%
Charge-Offs to Average Loans	0.03%
Non-Performing Assets to Assets	0.24%
Non-Performing Loans to Capital	2.50%
Non-Performing Loans to Loans	0.31%

Balance Sheet	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	9.25B
Total Deposits	7.10B

Capital and Reserves	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Capital	878.82M
Leverage Ratio	9.93
Loan Loss Reserves to Loans	0.83%
Risk-Based Capital Ratio	12.02

Liquidity	Lake Forest Bank & Trust Company, National Association Lake Forest, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	9.91%
Liquidity Ratio	11.53%

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	2.06%
Net Income	91.57M
Net Interest Spread	3.38%
Operating Profit to Average Assets	2.77%
Overhead Efficiency Ratio	42.37%
Return on Assets	2.03%
Return on Equity	21.13%