Bank call report · Antioch, IL
State Bank of the Lakes, N.A. Call Report
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State Bank of the Lakes, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 454 reported line items, schedule by schedule (909 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 595430 |
| FDIC certificate number | 5744 |
| Total assets | $2.81B |
Official Q2 2026 call report PDF (FFIEC) →
State Bank of the Lakes, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (30 items)
About Schedule RC · State Bank of the Lakes, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.81B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.81B |
| Total Liabilities and Minority Interest | RCON2948 | $2.53B |
| Total Deposits | RCON2200 | $2.38B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.09B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.09B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.08B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $333.8M |
| Deposits: Noninterest-bearing | RCON6631 | $287.3M |
| Total Equity Capital | RCON3210 | $285.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $285.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $187.0M |
| Held-to-maturity Securities, Total | RCON1754 | $146.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $146.0M |
| Other Borrowed Money | RCON3190 | $125.3M |
| Surplus | RCON3839 | $110.2M |
| Interest-bearing Balances | RCON0071 | $92.6M |
| Other Assets | RCON2160 | $73.8M |
| Goodwill | RCON3163 | $56.3M |
| Intangible Assets | RCON2143 | $56.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $22.6M |
| Other Liabilities, Total | RCON2930 | $18.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$12.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $11.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.7M |
| Trading Assets, Total | RCON3545 | $995K |
| Trading Liabilities, Total | RCON3548 | $995K |
| Common Stock | RCON3230 | $900K |
| Other Real Estate Owned | RCON2150 | $184K |
| Federal Funds Sold | RCONB987 | $5K |
Schedule RI: Income Statement (47 items)
About Schedule RI · State Bank of the Lakes, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $67.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $55.2M |
| Net Interest Income | RIAD4074 | $39.4M |
| Total Interest Expense | RIAD4073 | $27.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $25.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $25.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $21.8M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $19.0M |
| Net Income (Loss) | RIAD4340 | $19.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $19.0M |
| Total Noninterest Expense | RIAD4093 | $16.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $14.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $13.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $12.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $8.7M |
| Other Noninterest Expense | RIAD4092 | $8.1M |
| Salaries and Employee Benefits | RIAD4135 | $6.7M |
| Applicable Income Taxes | RIAD4302 | $6.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $5.1M |
| Total Noninterest Income | RIAD4079 | $4.0M |
| Other Noninterest Income | RIADB497 | $3.3M |
| Provision for Loan and Lease Losses | RIAD4230 | $2.8M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.5M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.2M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.9M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.6M |
| Income from Lease Financing Receivables | RIAD4065 | $1.4M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.4M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $602K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $464K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $439K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $412K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $391K |
| Other Interest Income | RIAD4518 | $357K |
| Interest on Other Securities | RIAD4060 | $348K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $337K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $259K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $238K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $150K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $74K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $48K |
| Net Servicing Fees | RIADB492 | -$7K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$5K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 85 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $100.2M |
| Balances Due from Federal Reserve Banks | RCON0090 | $60.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $32.5M |
| Currency and Coin | RCON0080 | $4.1M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $2.7M |
Schedule RC-B: Securities (37 items)
About Schedule RC-B · State Bank of the Lakes, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $4.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $4.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $292.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $274.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $95.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $78.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $22.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $21.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $15.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $15.4M |
| Pledged Securities | RCON0416 | $418.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $372.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $351.8M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $119.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $40.4M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $39.0M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $29.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $24.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $15.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $13.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $9.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $8.9M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $7.5M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $7.5M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $6.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $5.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.4M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $4.0M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $4.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $3.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $2.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $2.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.0M |
Schedule RC-C, Part I: Loans and Leases (40 items)
About Schedule RC-C, Part I · State Bank of the Lakes, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.09B |
| Pledged Loans and Leases | RCONG378 | $1.18B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $793.4M |
| Commercial and Industrial Loans | RCON1766 | $790.0M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $790.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $780.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $712.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $406.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $224.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $177.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $162.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $150.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $130.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $126.5M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $120.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $109.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $87.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $81.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $75.2M |
| All Other Lease Financing Receivables | RCONF163 | $50.8M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $50.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $36.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $27.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $23.6M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $19.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $16.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $10.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $5.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.0M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $998K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $906K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $265K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $159K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $151K |
| Other Loans | RCONJ464 | $151K |
| Real Estate Loans Secured by Farmland | RCON1420 | $48K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $47K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $155.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $111.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $68.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $43.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $7.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $795K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $48K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $47K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 11,166 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 761 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 523 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 111 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 63 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 15 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
Schedule RC-D: Trading Assets and Liabilities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Revaluation Gains on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3543 | $995K |
| Revaluation Losses on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3547 | $995K |
Schedule RC-E: Deposit Liabilities (38 items)
About Schedule RC-E · State Bank of the Lakes, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.74B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.49B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $776.3M |
| Total Transaction Accounts | RCON2215 | $644.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $608.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $523.7M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $494.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $458.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $429.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $377.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $375.3M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $374.4M |
| Total Brokered Deposits | RCON2365 | $350.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $350.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $349.5M |
| Total reciprocal deposits | RCONJH83 | $301.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $248.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $213.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $201.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $184.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $176.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $133.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $126.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $115.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $82.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $80.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $80.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $69.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $52.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $45.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $33.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $26.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $18.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $7.7M |
| Sweep deposits: Fully insured, affiliate sweep deposits | RCONMT87 | $7.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $2.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.0M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $500K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $28.6M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $18.6M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $16.6M |
| Accrued Interest Receivable | RCONB556 | $16.6M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $10.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $9.9M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $8.2M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $7.0M |
| Net Deferred Tax Liabilities | RCON3049 | $3.7M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.7M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $2.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.7M |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · State Bank of the Lakes, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.74B |
| Quarterly Average of Total Loans | RCON3360 | $1.99B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.16B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $791.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $478.0M |
| Mortgage-backed Securities | RCONB559 | $440.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $408.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $389.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $329.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $216.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $125.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $125.0M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $47.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $39.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $39.0M |
| All Other Securities | RCONB560 | $21.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $7.9M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.6M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $54K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)
About Schedule RC-L · State Bank of the Lakes, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $98.4M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $91.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $75.3M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $65.7M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $65.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $36.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $13.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $10.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.5M |
| Performance Standby Letters of Credit | RCON3821 | $1.1M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $995K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $995K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · State Bank of the Lakes, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $125.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $12.9M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $290K |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $290K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $184K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · State Bank of the Lakes, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $5.5M |
| Additions to Nonaccrual Assets | RCONC410 | $4.5M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.8M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $2.2M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.1M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.8M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1.6M |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $1.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $335K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $325K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $167K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $60K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $60K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $22K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $5K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $2K |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · State Bank of the Lakes, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.74B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.38B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.76B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $545.2M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $489.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $239.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $66.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $13.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 53,805 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,569 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 757 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 17 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCONG495 | $995K |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG514 | $995K |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $334.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $333.8M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $333.1M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $332.1M |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCONG477 | $1.7M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $1.7M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $995K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $995K |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCONHT87 | -$1K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · State Bank of the Lakes, N.A. regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $2.25B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · State Bank of the Lakes, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.74B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.68B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.25B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $285.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $256.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $242.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $242.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $242.4M |
| Retained Earnings | RCOAKW00 | $187.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $111.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $55.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $55.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $14.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $14.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $14.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$13.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$12.8M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | $475K |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$40K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1137 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1075 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1075 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0905 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0337 |
Schedule RC-R, Part II: Risk-Weighted Assets (79 items)
About Schedule RC-R, Part II · State Bank of the Lakes, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.25B |
| Total Risk-weighted Assets | RCONG641 | $2.25B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $2.01B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $2.01B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.89B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.80B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.78B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $483.6M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $481.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $333.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $308.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $285.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $285.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $285.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $268.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $179.9M |
| Total All Other Assets | RCOND981 | $152.9M |
| Total Held-to-maturity Securities | RCOND961 | $146.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $143.0M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $141.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $125.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $125.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $107.2M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $100.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $96.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $95.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $89.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $86.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $84.6M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $56.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $40.2M |
| Unconditionally Cancellable Commitments | RCONS540 | $34.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $27.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $21.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $21.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $21.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $18.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$18.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $17.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $16.6M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $15.5M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $10.0M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $10.0M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $9.7M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $9.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $8.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $6.1M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $6.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $5.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $5.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $4.2M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $4.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $3.4M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.4M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $3.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $1.9M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $1.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.1M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $1.1M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $995K |
| Total Trading Assets | RCOND976 | $995K |
| Trading Assets - Adjustments to Totals Reported in Column a | RCONS466 | $995K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $990K |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $975K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $821K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $821K |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $595K |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $567K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $562K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $562K |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $530K |
| Allocation by Risk Weight Category 0%, Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONH178 | $310K |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $300K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $52K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCONS527 | $43K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $5K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $5K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$2K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $31.5M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $527K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $285.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $279.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $279.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $10.0M |
| Other Comprehensive Income | RIADB511 | -$3.3M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $96K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · State Bank of the Lakes, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $875K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $864K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $180K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $175K |
| Charge-offs on All Other Loans | RIAD4644 | $8K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $3K |
| Recoveries on All Other Loans | RIAD4628 | $3K |
| Recoveries on Automobile Loans | RIADK133 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · State Bank of the Lakes, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $11.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $9.3M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$1.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $875K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $2K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $2K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.09B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $963.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $409.6M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $336.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $286.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $92.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $11.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $4.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $3.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $722K |
| Held to Maturity Securities, Total | RCONJJ25 | $2K |
| Held to Maturity Securities, Other debt securities | RCONJJ24 | $1K |
| Held to Maturity Securities, Securities issued by states and poilitical subdivisions in the US | RCONJJ20 | $1K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $2.1M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $2.0M |
| Data Processing Expenses | RIADC017 | $1.7M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $1.3M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $461K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $423K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $289K |
State Bank of the Lakes, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the State Bank of the Lakes, N.A. call report?
The State Bank of the Lakes, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does State Bank of the Lakes, N.A. file?
State Bank of the Lakes, N.A. files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the State Bank of the Lakes, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: State Bank of the Lakes, N.A. has Federal Reserve RSSD ID 595430 and FDIC certificate number 5744. Either one finds its filings on the FFIEC Central Data Repository.
How often does State Bank of the Lakes, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
State Bank of the Lakes, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 5744) · FFIEC NIC profile (RSSD 595430)