Barrington B&T Co NA
Barrington, Illinois · FDIC Cert #34395
Barrington B&T Co NA is an FDIC-insured bank (Certificate #34395) with $4.2B in total assets and $3.2B in total deposits as of the Q2 2024 Call Report. 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). 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
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 32 points below the Illinois state average of 72 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 348 similarly-sized banks, the average Health Score is 74, meaning this bank ranks below its size cohort. Site-wide, Barrington B&T Co NA is 30 points below the portfolio average of 70.
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 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.