# BARRINGTON B&T CO NA
BARRINGTON, IL · FDIC certificate 34395 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.17B | |
| Deposits | $4.14B | |
| Loans and leases | $3.90B | |
| Total equity | $527.8M | |
| Loans / deposits | 93.57% (p70 of band) | 87.10% |
| Liquid assets / assets | 16.31% (p28 of band) | |
| Uninsured deposits / deposits | 23.07% (p24 of band) | 30.76% |
| Brokered deposits | 8.98% | |
| Wholesale funding | 16.82% (p84 of band) | |
| FHLB advances / assets | 6.29% | |
| Tier 1 leverage | 10.08% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -7.78% (p50 of band) | -7.75% |
| AOCI / equity | -0.72% (p26 of band) | |
| ROA (annualized) | 1.27% (p51 of band) | 1.26% |
| Net interest margin | 3.24% (p24 of band) | 3.70% |
| Efficiency ratio | 68.38% (p76 of band) | |
| Noncurrent loans | 4.75% (p99 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p66 of band) | |
| Reserve coverage of noncurrent | 13.25% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 23.70% (p21 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $111.7M (21% of equity) (p92 of band) | |
| Deposits YoY | 15.0% | |
| Employees | 703 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | expense ratio p90 |
| 2011-09 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | liquid assets <10% |
| 2012-06 | 5 | liquid assets <10%, capital falling |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 3 |  | liquid assets <10%, capital falling |
| 2013-03 | 5 | liquid assets <10%, charge-offs p90 |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 6 | capital falling, assets shrinking | liquid assets <10% |
| 2013-12 | 4 |  | capital falling, assets shrinking |
| 2014-03 | 5 | expense ratio p90 |  |
| 2014-06 | 5 | liquid assets <10% | expense ratio p90 |
| 2014-09 | 6 | capital falling |  |
| 2014-12 | 4 |  | charge-offs p90, capital falling |
| 2015-03 | 3 |  | liquid assets <10% |
| 2015-06 | 4 | liquid assets <10% |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 | expense ratio p90 | reserve under noncurrent |
| 2016-06 | 4 | reserve under noncurrent | expense ratio p90 |
| 2016-09 | 3 |  | reserve under noncurrent |
| 2016-12 | 4 | reserve under noncurrent |  |
| 2017-03 | 5 | expense ratio p90, assets shrinking | reserve under noncurrent |
| 2017-06 | 4 |  | expense ratio p90 |
| 2017-09 | 4 | reserve under noncurrent | assets shrinking |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | expense ratio p90, noncurrent p90 |  |
| 2018-06 | 6 | capital falling | noncurrent p90 |
| 2018-09 | 4 | noncurrent p90 | wholesale funding >15%, expense ratio p90, capital falling |
| 2018-12 | 5 | expense ratio p90 |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 6 | capital falling |  |
| 2019-12 | 5 |  | capital falling |
| 2020-03 | 6 | wholesale funding >15%, charge-offs p90 | expense ratio p90 |
| 2020-06 | 7 | capital falling |  |
| 2020-09 | 5 |  | charge-offs p90, capital falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | wholesale funding >15% |
| 2021-09 | 5 | capital falling |  |
| 2021-12 | 6 | assets shrinking |  |
| 2022-03 | 4 |  | loans exceed deposits, capital falling |
| 2022-06 | 2 |  | liquid assets <10%, assets shrinking |
| 2022-09 | 4 | wholesale funding >15%, capital falling |  |
| 2022-12 | 6 | expense ratio p90, uninsured deposits leaving |  |
| 2023-03 | 6 | loans exceed deposits | capital falling |
| 2023-06 | 4 |  | expense ratio p90, loans exceed deposits |
| 2023-09 | 5 | brokered >10% |  |
| 2023-12 | 4 | expense ratio p90 | uninsured deposits leaving, brokered >10% |
| 2024-03 | 5 | loans exceed deposits, brokered >10% | expense ratio p90 |
| 2024-06 | 5 | capital falling | brokered >10% |
| 2024-09 | 4 |  | capital falling |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | capital falling |  |
| 2026-03 | 4 |  | capital falling |
| 2026-06 | 3 |  | loans exceed deposits |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34395 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "34395", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide