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Crystal Lake Bank & Trust Company, N.A. Locations & Branches Crystal Lake, Illinois
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Crystal Lake Bank & Trust Company, N.A. operates 6 branches from its headquarters in Crystal Lake, IL, . Its main office is at 70 N Williams St, Crystal Lake, IL 60014.
Crystal Lake Bank & Trust Company, N.A. branch network
All 6 branches are in ILLINOIS, across 4 cities. Crystal Lake, IL has the most of its branches, 3. Its largest office by deposits is the Crystal Lake Bank and Trust Company, National Association office in Crystal Lake, IL, with $914.2M (49.0% of its branch deposits). It had the same number of branches on June 30, 2025.
Crystal Lake Bank & Trust Company, N.A. at a glance
Its CET1 capital ratio was 10.79% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $2.26B
- CET1 ratio, Q2 2026
- 10.79%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1997
Full financial profile · Is Crystal Lake Bank & Trust Company, N.A. safe? · Crystal Lake Bank & Trust Company, N.A. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Crystal Lake, IL (3 branches) | 1 of 13 | 36.7% | $1.32B |
| State: IL (6 branches) | 46 of 379 | 0.3% | $1.87B |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Crystal Lake Bank & Trust Company, N.A.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mchenry, IL (6 branches) | 1 of 24 | 19.0% | $1.87B | $9.84B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (6 branches) | 38 of 150 | 0.3% | $1.87B | $632.03B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 34681) · FFIEC NIC profile (RSSD 2624400)