🏦Bank Scorer

NORTHBROOK BANK AND TRUST COMPANY, NATIONAL ASSOCIATION

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

Est. 2000FDIC #57,082
Outstanding

Current rating · Exam: July 2025

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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 1.32%

Institution Profile

FDIC BankFind

Address

1100 Waukegan Rd, NORTHBROOK, IL

County

Cook County

Established

November 22, 2000

Total Assets

$6.8B(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

July 21, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.8B

Total Deposits

$5.8B

Net Loans

$4.4B

Net Income

$21M

ROA

1.32%

ROE

16.31%

Risk-Based Capital

11.44%

Regulatory minimum: 8%

Peer Comparison

Community banks

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

Mortgage Denial Rate1.10%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

7

Branch Deposits

$4.8B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249184.62%1.10%
20237779.22%6.49%
20186690.91%1.52%

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

This is the only examination on record for this bank.

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