Lake Forest B&T Co NA (FDIC #27589): Bank Stress & Real-Estate Credit Exposure
Lake Forest B&T Co NA (FDIC Cert #27589): bank stress 53/100, moderate, STABLE over 7 days; parent WINTRUST FINANCIAL CORP (WTFC).
Lake Forest B&T Co NA (#27589) lends in 3 counties across 2 states; Lake Forest B&T Co NA (#27589) reaches 94 ZIP codes: Florida 2 counties, 58 ZIPs; Illinois 1 county, 36 ZIPs.
Lake Forest B&T Co NA (#27589) largest markets: Lee County, FL (76 branches, 38 ZIPs) (#27589), Lake County, IL (252 branches, 36 ZIPs) (#27589), Collier County, FL (24 branches, 24 ZIPs) (#27589).
Lake Forest B&T Co NA (#27589) reports $9.25 billion in total assets; Lake Forest B&T Co NA (#27589) equity $878.8 million (9.5% of Lake Forest B&T Co NA (#27589) assets); Lake Forest B&T Co NA (#27589) domestic deposits $7.10 billion; Lake Forest B&T Co NA (#27589) net income $91.6 million; Lake Forest B&T Co NA (#27589) return on assets 1.99%; Lake Forest B&T Co NA (#27589) return on equity 21.10%; Lake Forest B&T Co NA (#27589) net interest income $145.2 million; Lake Forest B&T Co NA (#27589) call report June 30, 2026.
Lake Forest B&T Co NA (#27589) noncurrent real-estate loans: none reported; Lake Forest B&T Co NA (#27589) net charge-offs on real estate 0.00%.
Lake Forest B&T Co NA (#27589) net interest margin 3.39% against an eight-quarter Lake Forest B&T Co NA (#27589) average of 3.54% (Lake Forest B&T Co NA (#27589) compression 0.15 points); Lake Forest B&T Co NA (#27589) rate-exposure score 40/100, Lake Forest B&T Co NA (#27589) fixed-rate trap 40/100; Lake Forest B&T Co NA (#27589) risk type market signal; Lake Forest B&T Co NA (#27589) rate regime rates elevated; Lake Forest B&T Co NA (#27589) shares 13.4% below the 52-week high, Lake Forest B&T Co NA (#27589) equity trend weakening, Lake Forest B&T Co NA (#27589) snapshot October 20, 2026.
Lake Forest B&T Co NA (#27589) stress score moved from 55.8 on June 22, 2026 to 52.6 on October 20, 2026; Lake Forest B&T Co NA (#27589) ranged 52.6 to 55.8 over 117 snapshots.
Lake Forest B&T Co NA (#27589) alerts: 3 counties; top Lake Forest B&T Co NA (#27589) alert scores: Cape Coral County, IL 21 (low); Naples County, IL 21 (low); Waukegan County, IL 21 (low).