Crystal Lake Bank & Trust Company, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Crystal Lake Bank & Trust Company, N.A. of Crystal Lake, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.60% | 1.46% | +0.14% | 71st above |
| ROAE | 17.36% | 12.71% | +4.65% | 81st top |
| Net Interest Margin | 3.36% | 3.85% | -0.49% | 29th below |
| Efficiency Ratio | 33.15% | 57.43% | -24.28% | 97th top |
| PPNR / Avg Assets | 2.45% | 1.88% | +0.57% | 87th top |
| Yield on Earning Assets | 5.45% | 5.72% | -0.27% | 44th below |
| Cost of Funds | 2.28% | 2.02% | +0.26% | 32nd below |
| Net Interest Spread | 2.76% | 3.18% | -0.42% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 1.00% | -0.69% | 72nd above |
| NPA / Total Assets | 0.24% | 0.76% | -0.52% | 70th above |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 91st top |
| ACL / Total Loans | 0.82% | 1.31% | -0.49% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 262.41% | 543.60% | -281.19% | 65th above |
| Texas Ratio | 2.74% | 7.39% | -4.65% | 69th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 240.26% | 618.99% | -378.73% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.79% | 17.34% | -6.55% | 7th bottom |
| Tier 1 Ratio | 10.79% | 17.37% | -6.58% | 7th bottom |
| Total Capital Ratio | 11.63% | 18.43% | -6.80% | 5th bottom |
| Leverage Ratio | 9.65% | 11.44% | -1.79% | 27th below |
| Equity / Assets | 8.85% | 11.34% | -2.49% | 19th bottom |
| TCE / Tangible Assets | 8.85% | 10.50% | -1.65% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.96% | 86.95% | +7.01% | 33rd below |
| Core Deposit Ratio | 77.09% | 85.56% | -8.47% | 16th bottom |
| Uninsured Deposit Ratio | 29.71% | 33.13% | -3.42% | 55th above |
| Wholesale Funding Ratio | 7.75% | 5.70% | +2.05% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.96% | 9.68% | +6.28% | 88th top |
| Loan Growth (Y/Y) | 13.07% | 8.05% | +5.02% | 81st top |
| Deposit Growth (Y/Y) | 15.44% | 7.86% | +7.58% | 86th top |
See Crystal Lake Bank & Trust Company, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Crystal Lake Bank & Trust Company, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Crystal Lake Bank & Trust Company, N.A. profile, how to read a UBPR, or how this data updates.