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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Lake Forest Bank & Trust Co. N.A.

Lake Forest, Illinois · $9.25B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

2.04%
ROA
1st of 12
15.4%
CRE / loans
2nd of 12
111.7%
CRE / capital
2nd of 12

Lake Forest Bank & Trust Co. N.A. is the third largest of the 12 Illinois banks nearest its size between $3B and $10B, with $9.25B in assets at 30 June 2026. Loans are 94.9% of deposits, 9th of 12 against a median of 90.4%, and equity is 9.5% of assets, 8th of 12. Loans grew +6.2% in the year, 7th of 12, and deposits fell 2.7%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 0.34% of the book, 4th of 12 against a median of 0.59%; 0.19% is 30 to 89 days past due, and the allowance covers them 2.4 times. Commercial real estate is 15.4% of loans, 2nd of 12 against a median of 31.6%, and 112% of capital, below the 300% screen, with construction at 26% against the 100% screen. CRE has grown +56.4% over 36 months, past the guidance's 50% prong.

Return on assets is 2.04%, the highest in the cohort against a median of 1.50%, on an efficiency ratio of 42.4%, 3rd of 12. Five years ago it was 1.93%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsIL banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.50% LF Lake Forest Bank & Trust Co. N.A. 2.04% WB Wintrust Bank National Association 1.96% OS Old Second National Bank 1.68% BB Byline Bank 1.66% MC Morton Community Bank 1.59% NB Northbrook Bank & Trust Co. N.A. 1.52% FA First American Bank 1.48% HB Hinsdale Bank & Trust Co. N.A. 1.43% HB Heartland Bank & Trust Co. 1.31% BB Barrington Bank & Trust Co. N.A. 1.25% MS Midland States Bank 1.21% FM First Mid Bank & Trust N.A. 1.09%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.6% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% FM First Mid Bank & Trust N.A. +20.2% HB Hinsdale Bank & Trust Co. N.A. +16.0% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% LF Lake Forest Bank & Trust Co. N.A. +6.2% BB Barrington Bank & Trust Co. N.A. +5.6% BB Byline Bank +2.9% WB Wintrust Bank National Association +0.4% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

Lake Forest Bank & Trust Co. N.A. is the 98th largest 7(a) lender into Illinois of 537, with $24M across 53 loans, 0.2% of everything approved in the state (Byline Bank leads with $2.39B). 3 of its 18 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$11M79th of 2820.2%+0.1 pts
Lake, IL$10M26th of 1600.9%-0.6 pts
Lee, FL$7M49th of 1690.7%thin
Collier, FL$6M27th of 1361.1%thin
Vermilion, LA$3M3rd of 258.1%thin
Dupage, IL$2M101st of 1880.1%quiet FY2021
Dallas, TX$2M206th of 3140.0%thin
Saline, AR$970K16th of 391.9%thin
Collin, TX$969K185th of 2610.0%thin
Santa Barbara, CA$710K78th of 1180.1%quiet FY2016
Will, IL$700K93rd of 1450.1%quiet FY2020
Jefferson, CO$578K134th of 1830.0%thin
Brazos, TX$519K69th of 920.2%thin
5 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Finance & insurance11$9M19.0%0.13%100th of 1,111
Accommodation & food services6$8M17.8%0.01%628th of 2,596
Other services10$5M11.3%0.02%518th of 2,248
Administrative & waste services6$5M11.0%0.04%319th of 1,763
Construction7$5M10.2%0.02%584th of 2,063
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Lake Forest
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans LF Lake Forest Bank & Trust Company,… 0.2% $24M · 53 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Lake ForestRankCohort median
Total CRE against capital, the 300% screen112%2nd of 12185%
Construction against capital, the 100% screen26%4th of 1234%
Construction and land development, share of loans3.6%3rd of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans9.2%2nd of 1214.7%
Total CRE, the guidance definition, share of loans15.4%2nd of 1231.6%
CRE growth over 36 months, the third prong+56.4%10th of 12+31.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Byline Bank$9.91B1.7%47.6%0.93%0.27%1.5%95.7%14.1%
Wintrust Bank National Association$9.57B2.0%45.5%0.36%0.24%1.0%96.0%11.6%
Lake Forest Bank & Trust Co. N.A.$9.25B2.0%42.4%0.34%0.03%0.8%94.9%9.5%
First Mid Bank & Trust N.A.$9.14B1.1%61.4%0.58%0.08%1.3%90.8%11.8%
First American Bank$8.63B1.5%59.6%0.60%-0.01%1.4%61.0%8.1%
Old Second National Bank$6.86B1.7%50.7%1.08%0.72%1.3%96.0%13.5%
Hinsdale Bank & Trust Co. N.A.$6.80B1.4%36.8%0.16%0.00%0.7%90.0%10.1%
Heartland Bank & Trust Co.$6.72B1.3%59.7%0.19%0.03%1.3%82.3%13.1%
Midland States Bank$6.69B1.2%60.6%1.43%0.90%1.5%74.3%9.2%
Northbrook Bank & Trust Co. N.A.$6.37B1.5%29.5%0.27%0.11%0.6%83.2%8.3%
Morton Community Bank$5.35B1.6%52.3%0.81%0.33%1.1%75.0%9.4%
Barrington Bank & Trust Co. N.A.$5.17B1.3%68.4%4.75%0.08%0.6%94.2%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Lake ForestCohort median
20212026Change20212026Change
Loans$4.17B$6.91B+66%$2.79B$4.89B+75%
Deposits$4.82B$7.28B+51%$4.35B$5.65B+30%
NPA / loans0.14%0.34%+0.21 pts0.62%0.59%-0.03 pts
Efficiency47.2%42.4%-4.9 pts55.9%51.5%-4.4 pts
ROA1.93%2.04%+0.11 pts1.42%1.50%+0.08 pts

This read was prepared for Lake Forest Bank & Trust Co. N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Lake Forest Bank & Trust Co. N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $3B to $10B
Institution www.lakeforestbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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