CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION

CRYSTAL LAKE, IL | Large | Est. Dec. 19, 1997, midnight | FDIC #34681 | RSSD #2624400 | OCC
Latest Report: 2025-12-31

CRYSTAL LAKE BANK & TRUST COMPANY, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in CRYSTAL LAKE, IL, established in Dec. 19, 1997, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.7B. Profitability stands at 1.53% ROA and 16.28% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 11.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 4.46%. FDIC Certificate #34681.

Assets

$2.1B

Deposits

$1.7B

Loans

$1.6B

Equity

$196M

Profitability

Return on Assets (ROA) 1.53%
Return on Equity (ROE) 16.28%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.76%
Cost of Funds 2.94%

Asset Quality

NPL Ratio 0.58%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.46%
NPA Ratio 0.45%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 11.50%
Tier 1 Capital 11.50%
Total Capital Ratio 12.31%
Leverage Ratio 10.19%
Loan-to-Deposit 92.61%

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