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

Northbrook Bank & Trust Co. N.A.

Northbrook, Illinois · $6.37B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

29.5%
Efficiency
1st of 11
8.3%
Equity / assets
9th of 11
0.27%
NPA / loans
4th of 12

Northbrook Bank & Trust Co. N.A. is the sixth largest of the 12 Illinois banks nearest its size between $3B and $10B, with $6.37B in assets at 30 June 2026. Loans are 83.2% of deposits, 7th of 12 against a median of 82.8%, and equity is 8.3% of assets, 9th of 11. Loans grew +9.0% in the year, 6th of 12, and deposits grew 11.6%; the cohort's median loan growth is +8.6%.

Noncurrent loans are 0.27% of the book, 4th of 12 against a median of 0.44%; 0.41% is 30 to 89 days past due, and the allowance covers them 2.2 times. Net charge-offs are 0.11% of loans, 7th of 11. Commercial real estate is 23.5% of loans, 5th of 12 against a median of 28.3%, and 178% of capital, below the 300% screen, with construction at 44% against the 100% screen.

Return on assets is 1.52%, 4th of 11 against a median of 1.43%, on an efficiency ratio of 29.5%, the lowest in the cohort. Five years ago it was 1.00%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioIL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 53.7% NB Northbrook Bank & Trust Co. N.A. 29.5% WB Wheaton Bank & Trust N.A. 32.6% HB Hinsdale Bank & Trust Co. N.A. 36.8% OS Old Second National Bank 50.7% MC Morton Community Bank 52.3% UC United Community Bank 53.7% CB Carrollton Bank 57.9% FA First American Bank 59.6% HB Heartland Bank & Trust Co. 59.7% MS Midland States Bank 60.6% BB Barrington Bank & Trust Co. N.A. 68.4%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +8.6% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% HB Hinsdale Bank & Trust Co. N.A. +16.0% WB Wheaton Bank & Trust N.A. +10.5% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% UC United Community Bank +8.2% SB State Bank of India +7.2% CB Carrollton Bank +5.9% BB Barrington Bank & Trust Co. N.A. +5.6% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

Northbrook Bank & Trust Co. N.A. is the 76th largest 7(a) lender into Illinois of 537, with $35M across 66 loans, 0.2% of everything approved in the state (Byline Bank leads with $2.39B). 46 of its 49 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$18M55th of 2820.3%+0.4 pts
Douglas, NE$6M31st of 1450.7%quiet FY2008
Dupage, IL$5M61st of 1880.2%quiet FY2021
Sangamon, IL$4M18th of 611.7%quiet FY2009
Greene, OH$4M14th of 432.1%quiet FY2008
Polk, IA$3M46th of 1770.5%quiet FY2008
Sedgwick, KS$3M49th of 1280.5%quiet FY2008
Sutter, CA$2M19th of 541.8%quiet FY2008
Howard, IA$2M2nd of 821.8%quiet FY2008
Hancock, OH$2M13th of 311.7%quiet FY2008
Winnebago, IL$2M26th of 740.6%thin
Warren, IA$2M7th of 453.5%quiet FY2008
Racine, WI$2M33rd of 890.7%quiet FY2008
36 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
Retail trade58$57M67.2%0.09%166th of 2,589
Accommodation & food services18$10M12.1%0.01%561st of 2,596
Other services13$6M6.6%0.02%505th of 2,248
Professional & technical services6$4M4.6%0.01%524th of 1,955
Health care & social assistance7$3M3.6%0.01%719th of 2,172
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Northbrook Bank
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 NB Northbrook Bank & Trust Company, … 0.2% $35M · 66 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
Northbrook BankRankCohort median
Total CRE against capital, the 300% screen178%5th of 11179%
Construction against capital, the 100% screen44%8th of 1141%
Construction and land development, share of loans5.8%9th of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans11.7%5th of 1114.3%
Total CRE, the guidance definition, share of loans23.5%5th of 1228.3%
CRE growth over 36 months, the third prong+22.8%4th of 11+39.6%

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
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%
Wheaton Bank & Trust N.A.$4.79B1.6%32.6%0.53%0.17%0.5%78.0%8.8%
State Bank of India$4.32Bno recordno record0.00%no recordno record124.3%no record
United Community Bank$4.13B1.3%53.7%0.31%0.01%1.3%74.5%10.4%
Carrollton Bank$3.88B1.1%57.9%0.36%0.00%1.3%83.6%7.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Northbrook BankCohort median
20212026Change20212026Change
Loans$2.50B$4.46B+78%$2.15B$3.99B+85%
Deposits$3.58B$5.36B+50%$3.09B$5.04B+63%
NPA / loans0.27%0.27%+0.00 pts0.52%0.44%-0.07 pts
Efficiency46.5%29.5%-17.0 pts59.4%53.7%-5.6 pts
ROA1.00%1.52%+0.52 pts1.25%1.43%+0.17 pts

This read was prepared for Northbrook 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 Northbrook 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.northbrookbank.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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