State Bank of the Lakes, N.A.
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Data as of · sourced from FFIEC call reports. How we update
State Bank of the Lakes, N.A. is an FDIC-insured commercial bank headquartered in Antioch, IL, supervised by the OCC, with $2.81B in total assets at Q2 2026, up 20.7% from Q2 2025, the 27th largest of 319 banks headquartered in Illinois. It was established in 1926 and holds FDIC certificate 5744. Its CET1 capital ratio was 10.75% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5744
- Headquarters
- Antioch, IL
- Established
- 1926
- Total assets, Q2 2026
- $2.81B
- Assets vs Q2 2025
- +20.7%
- CET1 ratio, Q2 2026
- 10.75%
- Domestic offices
- 10 · State Bank of the Lakes, N.A. branches FDIC institution directory, current count
- Routing number
- 071909871
- Safety and soundness
- Is State Bank of the Lakes, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · State Bank of the Lakes, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 27th of 319 in Illinois
State Bank of the Lakes, N.A. runs leaner than most banks of its size. Its balance sheet stood at $2.8 billion at June 30, 2026, up 20.7% from a year earlier; it is based in Antioch, Illinois. It spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 10.75% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.50%).
Deposits are coming in faster than loans: over the year loans rose 14.2% and deposits rose 20.7%. Unrealized losses on its securities total $44 million, equal to 18% of Tier 1 capital, against 22% a year earlier. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, State Bank of the Lakes, N.A. reported a CET1 capital ratio of 10.75%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of the Lakes, N.A. is the 27th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.5% to $2.81B, loans rose 4.7% and deposits rose 5.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 37.8% of total loans, ahead of other consumer loans at 19.5%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Antioch office books 56% of its branch deposits. Judged on its Q2 2026 call report, State Bank of the Lakes, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 440 Lake St, Antioch, IL 60002
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1926
- Former names
- State Bank of the Lakes (1993-2019)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $2.38B
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- $695K
- Average total assets
- $2.74B
- Average total loans
- $1.99B
- Average interest-bearing deposits
- $2.00B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5744
- Fed RSSD
- 595430
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.sbotl.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of the Lakes, N.A.'s total assets ranged from $1.95B (Q4 2023) to $2.81B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.81B total assets against $2.33B; $2.53B total liabilities against $2.07B.
$2.08B net loans and leases against $1.82B; $2.38B total deposits against $1.97B.
$479.8M securities against $305.2M; $100.3M cash and balances due against $35.2M.
$34.9M total interest income against $30.1M; $14.7M total interest expense against $11.9M.
$20.2M net interest income against $18.2M.
$2.0M total noninterest income against $2.1M; $8.1M total noninterest expense against $7.8M.
$1.6M provision for credit losses against $910K.
$9.2M net income against $8.7M.
1.35% return on assets against 1.55%; 3.12% net interest margin against 3.48%.
10.75% CET1 capital ratio against 10.80%; 9.05% tier 1 leverage ratio against 9.85%.
Inside the full State Bank of the Lakes, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank of the Lakes, N.A. rankings
Its closest position to the top of a national ranking is 110 of 3,606, for efficiency ratio; its furthest is 2,009 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.31% (Q4 2024) to 1.55% (Q2 2025) and its net interest margin ran from 3.12% (Q2 2026) to 3.56% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.75% | 1.35% | 0.18% | 1.64% | 3.12% |
| Q1 2026 | 10.74% | 1.54% | 0.11% | 1.01% | 3.20% |
| Q4 2025 | 11.38% | 1.44% | 0.14% | 1.21% | 3.33% |
| Q3 2025 | 11.27% | 1.55% | 0.12% | 1.06% | 3.35% |
| Q2 2025 | 10.80% | 1.55% | 0.12% | 1.16% | 3.48% |
| Q1 2025 | 11.47% | 1.37% | 0.22% | 1.89% | 3.34% |
| Q4 2024 | 11.03% | 1.31% | 0.34% | 2.95% | 3.44% |
| Q3 2024 | 11.17% | 1.55% | 0.18% | 1.56% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank of the Lakes, N.A. (main office) | Antioch , IL | 60002 | $1.33B |
| Grayslake Branch | Grayslake , IL | 60030 | $221.1M |
| Kenosha Branch | Kenosha , WI | 53142 | $187.8M |
| Lindenhurst Branch | Lindenhurst , IL | 60046 | $160.5M |
| Spring Grove Branch | Spring Grove , IL | 60081 | $157.2M |
| Round Lake Beach Branch | Round Lake Beach , IL | 60073 | $134.0M |
| Lake Villa Branch | Lake Villa , IL | 60046 | $80.6M |
| Genoa City Branch | Genoa City , WI | 53128 | $57.0M |
| Kenosha 39th Ave Branch | Kenosha , WI | 53142 | $44.6M |
| Kenosha 26th Ave Branch | Kenosha , WI | 53140 | $4.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IL, rank 42 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 119 applications, 98 loans originated, $71.2M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $4.1M approved, $824K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about State Bank of the Lakes, N.A.
What are State Bank of the Lakes, N.A.'s total assets?
As of the Q2 2026 filing, State Bank of the Lakes, N.A. reported total assets of $2.81 billion in its FFIEC call report.
Where is State Bank of the Lakes, N.A. headquartered?
It is headquartered in Antioch, IL, United States.
When was State Bank of the Lakes, N.A. founded?
It was established in 1926, per the FDIC institution directory.
Is State Bank of the Lakes, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of the Lakes, N.A.?
State Bank of the Lakes, N.A.'s primary federal regulator is the OCC.
What is State Bank of the Lakes, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.75% in its Q2 2026 call report, above regulatory requirements.
How many branches does State Bank of the Lakes, N.A. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of the Lakes, N.A.'s Texas Ratio?
Its Texas Ratio is 1.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was State Bank of the Lakes, N.A. previously called?
The charter now named State Bank of the Lakes, N.A. has also operated as State Bank of the Lakes (1993-2019), per FDIC structure-change records.
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