Northbrook Bank and Trust Company, National Association
Northbrook, Illinois, Cook County
$6.4B in total assets, the 247th largest of 4,309 US banks and 14th of 328 headquartered in Illinois.
- FDIC certificate
- 57082
- Established
- 2000
- Owned by
- Wintrust Financial Corp
- Primary regulator
- OCC
- Website
- www.northbrookbank.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.4B | 82% | $2.7B | |
| Loans | $4.5B | 86% | $2.0B | |
| Deposits | $5.4B | 82% | $2.3B | |
| Return on assets | 1.48% | 61% | 1.39% | |
| Net interest margin | 2.78% | 2% | 3.57% | |
| Efficiency ratio | 29.2% | 2% | 51.3% | |
| Equity to assets | 8.35% | 12% | 10.00% | |
| Loans to deposits | 83% | 40% | 87% |
Growth
Total assets grew 9.5% a year over the last 5 years and 13.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2018 | American Enterprise Bank Buffalo Grove, IL | $198M |
| Jul 2011 | First Chicago Bank & Trust Chicago, IL | $897M |
| Feb 2011 | Community First Bank - Chicago Chicago, IL | $51M |
| Aug 2010 | Ravenswood Bank Chicago, IL | $265M |
| Apr 2010 | Lincoln Park Savings Bank Chicago, IL | $195M |
Where they operate
7 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cook County, IL | $4.9B | 1.1% | 15 of 90 |
| Lake County, IL | $437M | 1.4% | 14 of 30 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (7 branches then and now). 2 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Opened Des Plaines | 1 | 0 | +1 | 8 |
| 2022 | Closed Des Plaines | 0 | 1 | −1 | 7 |
| 2024 | Opened WheelingClosed Northbrook | 1 | 1 | 0 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 48% | 26% | |
| Commercial real estate | 14% | 28% | |
| Consumer | 10% | 5% | |
| 1-4 family residential | 8% | 14% | |
| Multifamily | 6% | 9% | |
| Construction and land | 6% | 7% | |
| Agricultural | 0% | 2% | |
| Farmland | 0% | 3% | |
| Other | 8% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 61% | 55% | |
| Noninterest-bearing | 26% | 21% | |
| Time deposits | 13% | 25% |
Brokered deposits are 12.4% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.27% | 0.52% |
| Net charge-offs, annualized | 0.12% | 0.07% |
| Reserves to loans | 0.61% | 1.13% |
| Leverage ratio | 9.38% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Cook County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/northbrook