Crystal Lake Bank & Trust Company, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.70 percentage points higher than in Q1 2026, at 188.37%. Within Illinois, Crystal Lake Bank & Trust Company, N.A. is 46th of 323 on loan-to-deposit ratio, 93.96% as of Q2 2026, above the middle of the field. Crystal Lake Bank & Trust Company, N.A. reported 93.96% on loan-to-deposit ratio for Q2 2026, 5.76 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.75B |
| Net loans and leases | $1.74B |
| Loans held for sale | $0 |
| Loans to total assets | 77.63% |
| Loan-to-deposit ratio | 93.96% |
| Net loans to equity capital | 8.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.47% |
| Multifamily (5+ residential) | 7.06% |
| Commercial and industrial | 42.95% |
| Consumer | 12.83% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.37% |
| Construction concentration (Tier 1 capital + allowance) | 39.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.82% |
| Interest income on loans | $23.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.32B | $1.42B | 18.07% | 43.86% | 17.77% |
| Q4 2023 | $1.26B | $1.33B | 19.09% | 40.10% | 19.24% |
| Q1 2024 | $1.30B | $1.34B | 19.92% | 39.68% | 18.46% |
| Q2 2024 | $1.38B | $1.50B | 19.45% | 42.11% | 16.86% |
| Q3 2024 | $1.40B | $1.46B | 19.50% | 41.66% | 16.39% |
| Q4 2024 | $1.41B | $1.46B | 20.07% | 40.46% | 16.71% |
| Q1 2025 | $1.44B | $1.50B | 19.37% | 41.36% | 15.75% |
| Q2 2025 | $1.55B | $1.62B | 18.00% | 44.34% | 14.14% |
| Q3 2025 | $1.58B | $1.68B | 18.35% | 42.74% | 13.69% |
| Q4 2025 | $1.60B | $1.73B | 18.59% | 39.14% | 13.58% |
| Q1 2026 | $1.63B | $1.80B | 17.41% | 42.05% | 13.07% |
| Q2 2026 | $1.75B | $1.87B | 16.47% | 42.95% | 12.83% |
Crystal Lake Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crystal Lake Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-C, 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)