Barrington B&T Co NA
Barrington, Illinois · FDIC Cert #34395
This is the FDIC profile for Barrington B&T Co NA, an FDIC-insured bank (Certificate #34395) with $4.2B in total assets and $3.2B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Barrington, Illinois, the bank maintains a Tier 1 capital ratio of 11.10% (Well-Capitalized) and a nonperforming loan ratio of 5.55%. BankHealthData assigns a composite Health Grade of D (40/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Barrington B&T Co NA (FDIC cert 34395) is a mid-sized bank with $4.2B in total assets and $3.2B in deposits, based in Barrington, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.10% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality shows stress: non-performing loan ratio of 5.55% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is thin: 12.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.50% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Barrington B&T Co NA carries a composite BankHealth grade of D (40/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Barrington B&T Co NA
- Total Assets
- $4.2B
- Total Deposits
- $3.2B
- Tier 1 Capital Ratio
- 11.10%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 5.55%
- Liquidity Ratio
- 12.84%
- Return on Assets
- 1.50%
- Headquarters
- Barrington, Illinois
- FDIC Certificate
- #34395
- Health Grade
- D (40/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Barrington B&T Co NA files quarterly Call Reports with the FDIC under Certificate #34395. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Barrington B&T Co NA holds a Tier 1 capital ratio of 11.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Barrington B&T Co NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Barrington B&T Co NA shows some financial weakness with a Health Score of 40/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Barrington B&T Co NA Compares
Barrington B&T Co NA’s Health Score of 40 is 41 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 11.10% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 5.55% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.50% is in line with or above the national ROA benchmark of ~1.1%. Among 347 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Barrington B&T Co NA is 40 points below the portfolio average of 80.
Frequently Asked Questions
Barrington B&T Co NA has a Bank Health Score of D (40/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 11.10%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Barrington B&T Co NA's Tier 1 capital ratio of 11.10% and nonperforming loan ratio of 5.55% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Barrington B&T Co NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34395). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Barrington B&T Co NA holds $4.2B in total assets and $3.2B in total deposits. It is headquartered in Barrington, Illinois (FDIC Certificate #34395).
Barrington B&T Co NA's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #34395 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Barrington B&T Co NA has a Tier 1 capital ratio of 11.10%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 5.55%, and the return on assets is 1.50%.
Yes. Barrington B&T Co NA is FDIC-insured (Certificate #34395). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Barrington B&T Co NA shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.