Crystal Lake Bank & Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 41.46 percentage points higher than in Q1 2026, at 262.41%. Crystal Lake Bank & Trust Company, N.A. ranks 78th of 323 Illinois banks on return on assets, in the upper half at 1.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Crystal Lake Bank & Trust Company, N.A. sits 0.32 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 11.63% |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.74% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 262.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 17.36% |
| Net interest margin | 3.36% |
| Efficiency ratio | 33.15% |
| Yield on earning assets | 5.45% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.96% |
| Core deposits to total deposits | 77.09% |
| Brokered deposits to total deposits | 14.86% |
| Deposits to assets | 82.62% |
| Securities to assets | 18.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.33% | 11.33% | 11.98% | 10.01% | 1.99% |
| Q4 2023 | 11.87% | 11.87% | 12.65% | 10.01% | 1.33% |
| Q1 2024 | 11.37% | 11.37% | 12.20% | 10.13% | 1.67% |
| Q2 2024 | 10.60% | 10.60% | 11.42% | 9.62% | 1.60% |
| Q3 2024 | 11.07% | 11.07% | 11.80% | 9.78% | 2.10% |
| Q4 2024 | 11.06% | 11.06% | 11.79% | 9.84% | 1.61% |
| Q1 2025 | 10.82% | 10.82% | 11.66% | 9.83% | 1.50% |
| Q2 2025 | 10.83% | 10.83% | 11.64% | 10.02% | 1.83% |
| Q3 2025 | 11.29% | 11.29% | 12.07% | 9.91% | 1.96% |
| Q4 2025 | 11.50% | 11.50% | 12.31% | 10.19% | 1.56% |
| Q1 2026 | 11.72% | 11.72% | 12.54% | 10.18% | 1.52% |
| Q2 2026 | 10.79% | 10.79% | 11.63% | 9.65% | 1.60% |
Crystal Lake Bank & Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crystal Lake Bank & Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)