Old Plank Trail Community Bank, National Association
Total assets
$3.53B
▲ +12.7% YoY
Deposits
$3.12B
▲ +12.4% YoY
Loans
$2.49B
▲ +9.2% YoY
Offices
16
WINTRUST FINANCIAL CORP
ROA (annualized)
1.19%
peers 1.26%
ROE (annualized)
13.91%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +5.5% | +7.2 pts |
| Deposit growth (YoY) | +12.4% | +5.1% | +7.4 pts |
| Loan growth (YoY) | +9.2% | +5.9% | +3.3 pts |
| ROA | 1.19% | 1.26% | -0.1 pts |
| ROE | 13.9% | 12.2% | +1.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
Profile
- Established
- 2006
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- WINTRUST FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 280 Veterans Pkwy, New Lenox, IL, 60451
- County
- Will
- Metro area
- Chicago-Naperville-Elgin, IL-IN-WI
- Offices
- 16
- FDIC cert #
- 58314
- RSSD ID
- 3404207
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.53B | $3.12B | $2.49B | $294.6M | $20.2M | 1.19% | 3.19% | 0.21% |
| Q1 2026 | $3.32B | $2.89B | $2.37B | $285.9M | $10.6M | 1.28% | 3.24% | 0.24% |
| Q4 2025 | $3.27B | $2.84B | $2.35B | $288.7M | $36.2M | 1.16% | 3.26% | 0.38% |
| Q3 2025 | $3.26B | $2.88B | $2.34B | $278.1M | $27.5M | 1.19% | 3.26% | 0.31% |
| Q2 2025 | $3.13B | $2.77B | $2.28B | $266.6M | $19.8M | 1.32% | 3.28% | 0.32% |
| Q1 2025 | $3.03B | $2.68B | $2.20B | $256.7M | $10.3M | 1.39% | 3.30% | 0.37% |
| Q4 2024 | $2.88B | $2.55B | $2.13B | $241.9M | $27.9M | 0.99% | 3.23% | 0.33% |
| Q3 2024 | $2.88B | $2.55B | $2.06B | $244.9M | $20.8M | 0.99% | 3.24% | 0.41% |
Loan mix (Q2 2026): real estate $801.1M · commercial $1.15B · consumer $397.2M · securities $729.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.70% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 59.0% | 18th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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