Crystal Lake Bank & Trust Company, N.A.
Also written as CLB&T
BankRegReports is independent of Crystal Lake Bank & Trust Company, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Crystal Lake Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Crystal Lake, IL, supervised by the OCC, with $2.26B in total assets at Q2 2026, up 16.0% from Q2 2025, the 33rd largest of 319 banks headquartered in Illinois. It was established in 1997 and holds FDIC certificate 34681. Its CET1 capital ratio was 10.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34681
- Headquarters
- Crystal Lake, IL
- Established
- 1997
- Total assets, Q2 2026
- $2.26B
- Assets vs Q2 2025
- +16.0%
- CET1 ratio, Q2 2026
- 10.79%
- Domestic offices
- 6 · Crystal Lake Bank & Trust Company, N.A. branches FDIC institution directory, current count
- Routing number
- 071925787
- Safety and soundness
- Is Crystal Lake Bank & Trust Company, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · Crystal Lake Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 33rd of 319 in Illinois
Crystal Lake Bank & Trust Company, N.A. runs leaner than most banks of its size. Based in Crystal Lake, Illinois, it had $2.3 billion in assets at June 30, 2026, up 16.0% from a year earlier. It spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 10.79% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.50%).
Delinquency has appeared in its $209 million non-owner-occupied commercial real estate book: 3.66% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Crystal Lake Bank & Trust Company, N.A. reported a CET1 capital ratio of 10.79%, a return on assets of 1.60%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.74%. The figures come from its call report filed with the FFIEC.
Crystal Lake Bank & Trust Company, N.A. ranks as the 33rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.2% to $2.26B, loans rose 7.7% and deposits rose 3.6%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 42.9% of total loans, followed by other consumer loans at 12.0%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in IL; its Crystal Lake 3 offices book 70% of its branch deposits. Judged on its Q2 2026 call report, Crystal Lake Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 70 N Williams St, Crystal Lake, IL 60014
- County
- Mchenry
- 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
- —
- Call Report form
- FFIEC 041
- Established
- December 19, 1997
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $1.87B
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $2.19B
- Average total loans
- $1.60B
- Average interest-bearing deposits
- $1.49B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 19, 1997
- FDIC Cert
- 34681
- Fed RSSD
- 2624400
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- crystallakebank.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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Crystal Lake Bank & Trust Company, N.A.'s total assets moved between a low of $1.63B (Q4 2023) and a high of $2.26B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.26B total assets against $1.95B; $2.06B total liabilities against $1.77B.
$1.74B net loans and leases against $1.54B; $1.87B total deposits against $1.62B.
$409.8M securities against $261.8M; $37.1M cash and balances due against $63.5M.
$29.0M total interest income against $27.0M; $11.1M total interest expense against $10.6M.
$17.9M net interest income against $16.4M.
$2.1M total noninterest income against $1.2M; $6.7M total noninterest expense against $5.8M.
$1.7M provision for credit losses against $258K.
$8.7M net income against $8.5M.
1.60% return on assets against 1.83%; 3.36% net interest margin against 3.63%.
10.79% CET1 capital ratio against 10.83%; 9.65% tier 1 leverage ratio against 10.02%.
Inside the full Crystal Lake Bank & Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCrystal Lake Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 71 of 3,606, for efficiency ratio; its furthest is 1,997 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q1 2025) to 2.10% (Q3 2024) and its net interest margin ran from 3.29% (Q4 2025) to 3.63% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 1.60% | 0.34% | 2.74% | 3.36% |
| Q1 2026 | 11.72% | 1.52% | 0.40% | 3.02% | 3.38% |
| Q4 2025 | 11.50% | 1.56% | 0.60% | 4.57% | 3.29% |
| Q3 2025 | 11.29% | 1.96% | 0.09% | 1.03% | 3.54% |
| Q2 2025 | 10.83% | 1.83% | 0.24% | 2.27% | 3.63% |
| Q1 2025 | 10.82% | 1.50% | 0.32% | 2.91% | 3.52% |
| Q4 2024 | 11.06% | 1.61% | 0.51% | 4.58% | 3.46% |
| Q3 2024 | 11.07% | 2.10% | 0.54% | 5.72% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Crystal Lake Bank and Trust Company, National Association | Crystal Lake , IL | 60014 | $914.2M |
| Crystal Lake Branch | Crystal Lake , IL | 60014 | $401.3M |
| Mchenry Bank and Trust Branch | Mchenry , IL | 60051 | $245.3M |
| Algonquin Bank Branch | Algonquin , IL | 60102 | $167.3M |
| Cary Branch | Cary , IL | 60013 | $138.6M |
| Crystal Lake Branch | Crystal Lake , IL | 60014 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- 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 46 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 108 applications, 90 loans originated, $129.2M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $7.4M 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Crystal Lake Bank & Trust Company, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Crystal Lake Bank & Trust Company, N.A.
What are Crystal Lake Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Crystal Lake Bank & Trust Company, N.A. reported total assets of $2.26 billion in its FFIEC call report.
Where is Crystal Lake Bank & Trust Company, N.A. headquartered?
It is headquartered in Crystal Lake, IL, United States.
When was Crystal Lake Bank & Trust Company, N.A. founded?
It was established in 1997, per the FDIC institution directory.
Is Crystal Lake Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crystal Lake Bank & Trust Company, N.A.?
Crystal Lake Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Crystal Lake Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Crystal Lake Bank & Trust Company, N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Crystal Lake Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 2.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Crystal Lake Bank & Trust Company, N.A.
Get an email when Crystal Lake Bank & Trust Company, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Crystal Lake Bank & Trust Company, N.A., freeFree account