State Bank of the Lakes, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of the Lakes, N.A. of Antioch, 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 Behind the peer average, ahead of the median peer. | 1.35% | 1.46% | -0.11% | 56th above |
| ROAE | 13.14% | 12.72% | +0.42% | 56th above |
| Net Interest Margin | 3.12% | 3.85% | -0.73% | 18th bottom |
| Efficiency Ratio | 36.28% | 57.43% | -21.15% | 95th top |
| PPNR / Avg Assets | 2.06% | 1.88% | +0.18% | 72nd above |
| Yield on Earning Assets | 5.38% | 5.72% | -0.34% | 40th below |
| Cost of Funds | 2.42% | 2.02% | +0.40% | 24th bottom |
| Net Interest Spread | 2.65% | 3.18% | -0.53% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 1.00% | -0.90% | 89th top |
| NPA / Total Assets | 0.08% | 0.76% | -0.68% | 88th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 33rd below |
| ACL / Total Loans | 0.55% | 1.31% | -0.76% | 4th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 534.53% | 543.36% | -8.83% | 83rd top |
| Texas Ratio | 1.64% | 7.40% | -5.76% | 81st top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 403.74% | 618.88% | -215.14% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.75% | 17.35% | -6.60% | 6th bottom |
| Tier 1 Ratio | 10.75% | 17.38% | -6.63% | 6th bottom |
| Total Capital Ratio | 11.37% | 18.43% | -7.06% | 3rd bottom |
| Leverage Ratio | 9.05% | 11.44% | -2.39% | 12th bottom |
| Equity / Assets | 10.15% | 11.34% | -1.19% | 46th below |
| TCE / Tangible Assets | 8.31% | 10.50% | -2.19% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.74% | 86.95% | +0.79% | 51st above |
| Core Deposit Ratio | 79.68% | 85.56% | -5.88% | 20th bottom |
| Uninsured Deposit Ratio | 20.54% | 33.14% | -12.60% | 83rd top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.46% | 5.71% | -1.25% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.69% | 9.67% | +11.02% | 91st top |
| Loan Growth (Y/Y) | 14.23% | 8.05% | +6.18% | 85th top |
| Deposit Growth (Y/Y) | 20.68% | 7.86% | +12.82% | 91st top |
See State Bank of the Lakes, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of the Lakes, 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 State Bank of the Lakes, N.A. profile, how to read a UBPR, or how this data updates.