Crystal Lake Bank & Trust Company, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 61.4% lower than in Q1 2026, at $37.1M. Crystal Lake Bank & Trust Company, N.A. ranks 46th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 93.96% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Crystal Lake Bank & Trust Company, N.A. sits 5.76 points higher, at 93.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.1M |
| Cash and noninterest-bearing balances to assets | 1.64% |
| Cash and securities | $446.9M |
| Fed funds sold and reverse repos | $4K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $25.0M |
| Other borrowed money | $150.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.64% |
| Trading liabilities | $3.0M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.96% |
| Net loans and leases to deposits | 93.18% |
| Loans and leases to core deposits | 102.22% |
| Core deposits to total deposits | 77.09% |
| Brokered deposits to total deposits | 14.86% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 93.32% | 75.33% | $0 | $130.1M |
| Q4 2023 | 94.60% | 79.15% | $0 | $130.1M |
| Q1 2024 | 96.53% | 78.56% | $0 | $130.0M |
| Q2 2024 | 92.21% | 76.60% | $0 | $130.0M |
| Q3 2024 | 96.07% | 76.59% | $0 | $125.0M |
| Q4 2024 | 96.15% | 77.60% | $0 | $125.0M |
| Q1 2025 | 96.13% | 74.42% | $13.0M | $125.1M |
| Q2 2025 | 95.92% | 72.78% | $0 | $125.1M |
| Q3 2025 | 93.89% | 73.33% | $0 | $125.1M |
| Q4 2025 | 92.61% | 75.86% | $0 | $125.1M |
| Q1 2026 | 90.37% | 75.69% | $0 | $125.1M |
| Q2 2026 | 93.96% | 77.09% | $25.0M | $150.1M |
Crystal Lake Bank & Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Crystal Lake Bank & Trust Company, N.A., freeSource: Call Report Schedules RC and RC-M, 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)