Northbrook Bank and Trust Company, National Association

Headquarters

1100 Waukegan Rd
Northbrook, IL 60062
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.80% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC 1.99% 0.99% →

2024 Overview

General Bank Information

Northbrook Bank and Trust Company, National Association is an FDIC insured institution located in Northbrook, IL. It was founded in 2000 and has approximately $4.99 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 57082
Date Established 2000
Assets $ 4.99 billion
Loans $ 3.56 billion
Deposits $ 4.14 billion
Capital $ 414.64 million
 

For a more detailed analysis of Northbrook Bank and Trust Company, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 21, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - November 21, 2024

Your Current Location: Ohio, OH 43085

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Northbrook Bank and Trust Company, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

Northbrook Bank and Trust Company, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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Financial Details

Northbrook Bank and Trust Company, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northbrook Bank and Trust Company, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Northbrook Bank and Trust Company, National Association U.S. Bank Average
6.26% 4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Northbrook Bank and Trust Company, National Association had $19,029,000 in non-current loans and $8,454,000 in owned real estate. To cover these potential losses it had $414,642,000 in equity and $24,371,000 in loans loss reserves. That gives it a Texas Ratio of 6.26%.

Return on Equity
Northbrook Bank and Trust Company, National Association U.S. Bank Average
14.22% 10.46%

Northbrook Bank and Trust Company, National Association has a Return on Equity of 14.22% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Northbrook Bank and Trust Company, National Association U.S. Bank Average
8.3% 10.84%

Northbrook Bank and Trust Company, National Association has a Capitalization of 8.3% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Northbrook Bank and Trust Company, National Association Balance Sheet Analysis

As of June 30, 2024, Northbrook Bank and Trust Company, National Association had assets of $4,993,485,000, loans of $3,556,433,000, and deposits of $4,140,279,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 445.67 million
Interest-bearing balances $ 306.27 million
Total securities $ 814.25 million
Federal funds sold and reverse repurchase $ 0.00 million
Net loans and leases $ 3.56 billion
Loan loss allowance $ 24.37 million
Trading account assets $ 13.51 million
Bank premises and fixed assets N.A.
Other real estate owned $ 8.45 million
Goodwill and other intangibles $ 16.47 million
All other assets $ 140.19 million
     Total Assets $ 4.58 billion
LIABILITIES
Total deposits $ 4.14 billion
      Interest-bearing deposits $ 3.01 billion
      Deposits held in domestic offices $ 4.14 billion
      % insured (estimated) 55.46%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 13.47 million
Other borrowed funds $ 105.00 million
Subordinated debt N.A.
All other liabilities $ 23.16 million
      Total Liabilities $ 4.58 billion
      Shareholders’ Equity $ 414.64 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 129.85 million
Total Interest Expense $ 65.11 million
Net interest income $ 64.75 million
Provision for loan and lease losses $ 7.52 million
Total non interest income $ 11.69 million
Total non interest expense $ 28.21 million
Pre-tax Net Operating Income $ 33.32 million

Bank Loan Profile?

The top three loan types in Northbrook Bank and Trust Company, National Association’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Illinois, Northbrook Bank and Trust Company, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.99
Multifamily
Mortgages
5.57
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.64
Construction and Development Loans 3.99
Commercial Real Estate 12.88
Commercial and Industrial Loans 36.01
Farm Loans 0.00

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