🏦Bank Scorer

BARRINGTON BANK & TRUST COMPANY, NATIONAL ASSOCIATION

BARRINGTON, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1996FDIC #34,395
Outstanding Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

201 S Hough St, BARRINGTON, IL

County

Cook County

Established

December 19, 1996

Total Assets

$4.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 3, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.9B

Total Deposits

$3.8B

Net Loans

$3.9B

Net Income

$14M

ROA

1.18%

ROE

11.07%

Risk-Based Capital

11.49%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.60%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$3.6B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412,74164.46%6.60%
202311,09663.06%7.92%
202215,28262.15%8.69%
202137,25165.85%6.68%
202045,44465.14%5.16%
201927,15463.72%7.31%
201820,48163.88%9.36%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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