State Bank of the Lakes, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
State Bank of the Lakes, N.A. runs leaner than most banks of its size. Its balance sheet stood at $2.8 billion at June 30, 2026, up 20.7% from a year earlier; it is based in Antioch, Illinois. It spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 10.75% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Deposits are coming in faster than loans: over the year loans rose 14.2% and deposits rose 20.7%. Unrealized losses on its securities total $44 million, equal to 18% of Tier 1 capital, against 22% a year earlier. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, State Bank of the Lakes, N.A. reported a CET1 capital ratio of 10.75%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.64%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 440 Lake St, Antioch, IL 60002
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1926
- Former names
- State Bank of the Lakes (1993-2019)
- Offices
- 10 domestic
- Employees (FTE)
- 85
- Domestic deposits
- $2.38B
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- $695K
- Average total assets
- $2.74B
- Average total loans
- $1.99B
- Average interest-bearing deposits
- $2.00B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5744
- Fed RSSD
- 595430
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.sbotl.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full State Bank of the Lakes, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock State Bank of the Lakes, N.A., freeState Bank of the Lakes, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for State Bank of the Lakes, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.75% | 1.35% | 0.10% | 1.64% | 3.12% |
| Q1 2026 | 10.74% | 1.54% | 0.08% | 1.01% | 3.20% |
| Q4 2025 | 11.38% | 1.44% | 0.10% | 1.21% | 3.33% |
| Q3 2025 | 11.27% | 1.55% | 0.08% | 1.06% | 3.35% |
| Q2 2025 | 10.80% | 1.55% | 0.09% | 1.16% | 3.48% |
| Q1 2025 | 11.47% | 1.37% | 0.18% | 1.89% | 3.34% |
| Q4 2024 | 11.03% | 1.31% | 0.27% | 2.95% | 3.44% |
| Q3 2024 | 11.17% | 1.55% | 0.11% | 1.56% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank of the Lakes, N.A. (main office) | Antioch , IL | 60002 | $1.33B |
| Grayslake Branch | Grayslake , IL | 60030 | $221.1M |
| Kenosha Branch | Kenosha , WI | 53142 | $187.8M |
| Lindenhurst Branch | Lindenhurst , IL | 60046 | $160.5M |
| Spring Grove Branch | Spring Grove , IL | 60081 | $157.2M |
| Round Lake Beach Branch | Round Lake Beach , IL | 60073 | $134.0M |
| Lake Villa Branch | Lake Villa , IL | 60046 | $80.6M |
| Genoa City Branch | Genoa City , WI | 53128 | $57.0M |
| Kenosha 39th Ave Branch | Kenosha , WI | 53142 | $44.6M |
| Kenosha 26th Ave Branch | Kenosha , WI | 53140 | $4.1M |
Regulatory record
What the public regulatory sources show for State Bank of the Lakes, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IL, rank 42 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 119 applications, 98 loans originated, $71.2M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $4.1M approved, $824K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about State Bank of the Lakes, N.A.
What are State Bank of the Lakes, N.A.'s total assets?
As of the Q2 2026 filing, State Bank of the Lakes, N.A. reported total assets of $2.81 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank of the Lakes, N.A. headquartered?
State Bank of the Lakes, N.A. is headquartered in Antioch, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was State Bank of the Lakes, N.A. founded?
State Bank of the Lakes, N.A. was established in 1926, per the FDIC institution directory.
Is State Bank of the Lakes, N.A. FDIC-insured?
Yes. State Bank of the Lakes, N.A. is an FDIC-insured commercial bank (FDIC Certificate #5744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of the Lakes, N.A.?
State Bank of the Lakes, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank of the Lakes, N.A.'s CET1 capital ratio?
State Bank of the Lakes, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 10.75% in its Q2 2026 call report, above regulatory requirements.
How many branches does State Bank of the Lakes, N.A. operate?
State Bank of the Lakes, N.A. operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of the Lakes, N.A.'s Texas Ratio?
State Bank of the Lakes, N.A.'s Texas Ratio is 1.64% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was State Bank of the Lakes, N.A. previously called?
The charter now named State Bank of the Lakes, N.A. has also operated as State Bank of the Lakes (1993-2019), per FDIC structure-change records.
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