Bank · FDIC insured
Lake Forest Bank & Trust Company, N.A.
A $9.3B bank, the 170th largest of 4,207, headquartered in Lake Forest, IL, with 10 branches in 2 states. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.00%CD rates →
- Savings——Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lake Forest Bank & Trust Company, N.A.
As part of Wintrust Community Banks, Lake Forest Bank & Trust Company, N.A. was established after Wintrust's founders began in a northern Chicago suburb in 1991.
- Headquarters
- 727 N Bank Ln, Lake Forest, IL 60045
- FDIC certificate
- 27589 ↗
Branches
10 branches in 2 states
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Illinois
7 branches
Lake Forest area · 3
- Lake Forest Bank & Trust Company, National AssociationMain office727 N Bank Ln, Lake Forest, IL 60045Directions
- Lake Forest Bank & Trust - Drive Up Branch780 N Bank Ln, Lake Forest, IL 60045Directions
- Wlf Branch959 S Waukegan Rd, Lake Forest, IL 60045Directions
Highland Park area · 1
- Highland Park Branch1949 Saint Johns Ave, Highland Park, IL 60035Directions
Highwood area · 1
- Highwood Branch507 Sheridan Rd, Highwood, IL 60040Directions
Lake Bluff area · 1
- 4 East Scranton Avenue Branch4 E Scranton Ave, Lake Bluff, IL 60044Directions
Waukegan area · 1
- Waukegan Branch2634 Grand Ave, Waukegan, IL 60085Directions
Florida
3 branches
Bonita Springs area · 1
- Wintrust Banking Center, A Branch Of Lake Forest Bank & Trust Company, N.A.26851 S. Tamiami Trail, Bonita Springs, FL 34134Directions
Cape Coral area · 1
- Cape Coral Branch915 Cape Coral Pkwy E, Cape Coral, FL 33904Directions
Naples area · 1
- Wintrust Banking Center3401 9th St N, Naples, FL 34103Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.93% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.34% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.99% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalLeverage ratio9.93%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.34%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.99%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lake Forest Bank & Trust Company, N.A. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.