Lake Forest Bank & Trust Company, National Association
Lake Forest, IL
IDRSSD: 1917301
Total Assets
$9.39B
Latest filing
Total Deposits
$7.37B
Latest filing
Net Interest Margin
3.53%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071925334LAKE FOREST, IL
Key People
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Locations
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Main Office
Lake Forest Bank & Trust Company, National Association
727 N Bank Ln
Lake Forest, IL 60045
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/21/1986FDIC Certificate 40421
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Lake Forest Bank & Trust Company, National Association (Main) | 727 N Bank Ln | Lake Forest, IL |
| 4 EAST SCRANTON AVENUE BRANCH | 4 E Scranton Ave | Lake Bluff, IL |
| WLF BRANCH | 959 S Waukegan Rd | Lake Forest, IL |
| HIGHWOOD BRANCH | 507 Sheridan Rd | Highwood, IL |
| HIGHLAND PARK BRANCH | 1949 Saint Johns Ave | Highland Park, IL |
| WINTRUST BANKING CENTER | 3401 9th St N | Naples, FL |
| WAUKEGAN BRANCH | 2634 Grand Ave | Waukegan, IL |
| LAKE FOREST BANK & TRUST - DRIVE UP BRANCH | 780 N Bank Ln | Lake Forest, IL |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/21/1986 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 60045 |
| State and County Number | 17097 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 778 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/26/1991 |
| Primary Insurance Agency | DIF |
| Website | www.lakeforestbank.com |
| Data Updated | 01/30/2026 |
| CERT | 27589 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $9.39B |
| Total Deposits | $7.37B |
| Total Liabilities | $8.52B |
| Total Equity Capital | $861.38M |
| Net Income | $49.95M |
| Net Loans and Leases | $6.77B |
| Assets Per Employee ($Millions) | $11.9M |
| Bank Premises and Fixed Assets | $63.72M |
| Cash and Balances due from Depository Institutions | $1.00B |
| Deposits Held in Domestic Offices | $7.21B |
Key Performance Ratios
| Return on Assets (ROA) | 2.15% |
| Return on Equity (ROE) | 23.56% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 40.19% |
| Tier 1 Risk-Based Capital Ratio | 858,940% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.177% |
| Earning Assets to total Assets | 92.92% |
Income and Expense
| Total Interest Income | $125.47M |
| Total Noninterest Income | $48.38M |
| Total Interest Expense | $49.66M |
| Total Noninterest Expense | $49.92M |
| Net Interest Income | $75.81M |
| Pre-tax Net Operating Income | $68.26M |
| Provision for Credit Losses | $6.01M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $544.00k |
| Other borrowed funds | $958.06M |
| Federal Funds Sold & Reverse Repurchase Agreement | $37.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $130.39M |
| Total Liabilities and Capital | $9.39B |
Securities
| Securities | $992.23M |
| Available-for-sale debt securities | $449.73M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $536.49M |
| Subordinated Debt | $0 |
| Trading Account Assets | $69.85M |
| Trading Liabilities | $69.82M |
Frequently Asked Questions
What are the total assets of Lake Forest Bank & Trust Company, National Association?
$9.39B as of the latest filing.
How much are Lake Forest Bank & Trust Company, National Association's total deposits?
$7.37B in total deposits.
Where is Lake Forest Bank & Trust Company, National Association located?
Lake Forest, IL.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
10.
When was it established?
05/21/1986.
What is the Return on Assets (ROA)?
2.15%.
How much are total loans and leases?
$6.77B (latest filing).
What is the total interest income (latest filing)?
$125.47M.