Northbrook Bank and Trust Company

1100 Waukegan Road
Northbrook, IL 60062

Notable Rates APY Vs.Others
Savings 0.10% 2.25% →
1-Year CD 0.20% 2.25% →
2-Year CD 0.30% 2.50% →
5-Year CD 0.80% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Northbrook Bank and Trust Company is an FDIC insured institution located in Northbrook, IL. It was founded in 2000 and has approximately $2.75 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 57082
Date Established 2000
Assets $2.75 billion
Loans $1.91 billion
Deposits $2.42 billion
Capital $0.26 billion
 

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

Deposit Rates - December 14, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.05% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.05% $100,000 - Learn MoreShow Less
6 Mo CD
0.10% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.10% $100,000 - Learn MoreShow Less
0.15% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
0.20% $100,000 - Learn MoreShow Less
Special: 13 Mo CD
1.55% $1,000 - Learn MoreShow Less
0.20% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
0.25% $100,000 - Learn MoreShow Less
Special: 20 Mo CD
1.85% $1,000 - Learn MoreShow Less
0.25% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
0.30% $100,000 - Learn MoreShow Less
30 Mo CD
0.35% $1,000 $49,999 Learn MoreShow Less
36 Mo CD
0.40% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
0.45% $100,000 - Learn MoreShow Less
48 Mo CD
0.50% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
0.55% $100,000 - Learn MoreShow Less
0.75% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
0.80% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.15% $1,000 $99,999 Learn MoreShow Less
Special: 13 Mo FIRA
1.55% $1,000 - Learn MoreShow Less
Special: 20 Mo FIRA
1.85% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1,000 - Learn MoreShow Less

Loan Rates - December 14, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Northbrook Bank and Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($222) $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Northbrook Bank and Trust Company
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Branches

Northbrook Bank and Trust Company 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:
Ashburn,Virginia


Northbrook Bank and Trust Company Locations


Financial Details

Northbrook Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northbrook Bank and Trust Company. 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 U.S. Bank Average
4.68% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Northbrook Bank and Trust Company had $12,727,000 in non-current loans and $216,000 in owned real estate. To cover these potential losses it had $263,302,000 in equity and $13,402,000 in loans loss reserves. That gives it a Texas Ratio of 4.68%.

Return on Equity
Northbrook Bank and Trust Company U.S. Bank Average
16.33% 9.50%

Northbrook Bank and Trust Company has a Return on Equity of 16.33% versus the BestCashCow average of 9.50%. 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 U.S. Bank Average
9.59% 12.76%

Northbrook Bank and Trust Company has a Capitalization of 9.59% versus the BestCashCow average of 12.76. 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 Balance Sheet Analysis

As of June 30, 2019, Northbrook Bank and Trust Company had assets of $2,745,850,000, loans of $1,912,296,000, and deposits of $2,422,182,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.31 billion
Interest-bearing balances $0.29 billion
Total securities $0.35 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.91 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.12 billion
     Total Assets $2.48 billion
LIABILITIES
Total deposits $2.42 billion
      Interest-bearing deposits $1.65 billion
      Deposits held in domestic offices $2.42 billion
      % insured (estimated) 49.21%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.05 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $2.48 billion
      Shareholders’ Equity $0.26 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.06 billion
Total Interest Expense $0.01 billion
Net interest income $0.04 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.03 billion

Bank Loan Profile?

The top three loan types in Northbrook Bank and Trust Company’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, Northbrook Bank and Trust Company 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 8.03
Multifamily
Mortgages
6.19
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 4.78
Construction and Development Loans 5.91
Commercial Real Estate 20.89
Commercial and Industrial Loans 48.34
Farm Loans 0.00

Frequently Asked Questions About Northbrook Bank And Trust Company

Branches and Savings

Is Northbrook Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #57082.

Why does Northbrook Bank And Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Northbrook Bank And Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Northbrook Bank And Trust Company a commercial bank?

Yes

Where are Northbrook Bank And Trust Company locations?

See branch locations nearby.

Is Northbrook Bank And Trust Company open on Saturdays?

Is Northbrook Bank And Trust Company open on Sundays?

What time does Northbrook Bank And Trust Company open?

What time does Northbrook Bank And Trust Company close?

Are Northbrook Bank And Trust Company ATMs Open 24/7?

Do Northbrook Bank And Trust Company ATMs accept cash deposits?

Can Northbrook Bank And Trust Company customers use other ATMs?

Do Northbrook Bank And Trust Company branches have notaries?

Will Northbrook Bank And Trust Company notarize my document?

What address for Northbrook Bank And Trust Company should I put for incoming ACH transfers?

Will the Northbrook Bank And Trust Company branch print checks?

Do Northbrook Bank And Trust Company checks expire?

Does Northbrook Bank And Trust Company require US citizenship to open account?

Can Northbrook Bank And Trust Company close my account?

Does Northbrook Bank And Trust Company Report to credit bureaus?

Does Northbrook Bank And Trust Company Use Equifax?

What is Northbrook Bank And Trust Company's ACH Routing Number?

What is Northbrook Bank And Trust Company's SWIFT code?

Products

Does Northbrook Bank And Trust Company offer mortgages?

Compare mortgage rates here.

Does Northbrook Bank And Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Northbrook Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does Northbrook Bank And Trust Company offer student loans?

Will Northbrook Bank And Trust Company cash a check?

Will Northbrook Bank And Trust Company redeem a savings bond?

Does Northbrook Bank And Trust Company cash savings bonds?

Will Northbrook Bank And Trust Company cash money orders?

Can Northbrook Bank And Trust Company issue a money order?

Does Northbrook Bank And Trust Company do currency exchange?

Background on The Bank

Who owns Northbrook Bank And Trust Company?

How long has Northbrook Bank And Trust Company been around?

Can Northbrook Bank And Trust Company transfer to other banks?

Does Northbrook Bank And Trust Company have quick pay?

Does Northbrook Bank And Trust Company accept rolled coins?

Will Northbrook Bank And Trust Company accept loose change?

Where is Northbrook Bank And Trust Company headquarters?

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