Crystal Lake Bank & Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.9% lower than in Q1 2026, at -$11.3M. Crystal Lake Bank & Trust Company, N.A. ranks 178th of 198 Illinois banks on CET1 ratio, in the lower half at 10.79% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Crystal Lake Bank & Trust Company, N.A. sits 2.69 points lower, at 10.79% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 11.63% |
| Tier 1 leverage ratio | 9.65% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $211.3M |
| Tier 1 capital | $211.3M |
| Total risk-based capital | $227.8M |
| Total equity capital | $200.1M |
| Risk-weighted assets | $1.96B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.14% |
| Internal capital growth rate | -2.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $67.8M |
| Retained earnings | $141.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.33% | 11.33% | 11.98% | 10.01% | $1.50B |
| Q4 2023 | 11.87% | 11.87% | 12.65% | 10.01% | $1.44B |
| Q1 2024 | 11.37% | 11.37% | 12.20% | 10.13% | $1.47B |
| Q2 2024 | 10.60% | 10.60% | 11.42% | 9.62% | $1.55B |
| Q3 2024 | 11.07% | 11.07% | 11.80% | 9.78% | $1.57B |
| Q4 2024 | 11.06% | 11.06% | 11.79% | 9.84% | $1.59B |
| Q1 2025 | 10.82% | 10.82% | 11.66% | 9.83% | $1.65B |
| Q2 2025 | 10.83% | 10.83% | 11.64% | 10.02% | $1.72B |
| Q3 2025 | 11.29% | 11.29% | 12.07% | 9.91% | $1.74B |
| Q4 2025 | 11.50% | 11.50% | 12.31% | 10.19% | $1.78B |
| Q1 2026 | 11.72% | 11.72% | 12.54% | 10.18% | $1.81B |
| Q2 2026 | 10.79% | 10.79% | 11.63% | 9.65% | $1.96B |
Crystal Lake Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Crystal Lake Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Crystal Lake Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34681) · FFIEC NIC profile (RSSD 2624400)