State Bank of the Lakes, 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: 62.92 percentage points lower than in Q1 2026, at 534.53%. State Bank of the Lakes, N.A. ranks 126th of 323 Illinois banks on return on assets, in the upper half at 1.35% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. State Bank of the Lakes, N.A. sits 0.07 points higher, at 1.35% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.75% |
| Tier 1 risk-based capital ratio | 10.75% |
| Total risk-based capital ratio | 11.37% |
| Tier 1 leverage ratio | 9.05% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 8.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 1.64% |
| Allowance for credit losses to loans | 0.55% |
| Reserve coverage of non-performing loans | 534.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 13.14% |
| Net interest margin | 3.12% |
| Efficiency ratio | 36.28% |
| Yield on earning assets | 5.38% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.74% |
| Core deposits to total deposits | 79.68% |
| Brokered deposits to total deposits | 14.72% |
| Deposits to assets | 84.69% |
| Securities to assets | 17.06% |
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 | 10.99% | 10.99% | 11.41% | 9.50% | 1.71% |
| Q4 2023 | 11.45% | 11.45% | 11.94% | 9.90% | 1.32% |
| Q1 2024 | 10.90% | 10.90% | 11.38% | 9.82% | 1.61% |
| Q2 2024 | 10.79% | 10.79% | 11.31% | 9.72% | 1.28% |
| Q3 2024 | 11.17% | 11.17% | 11.70% | 9.86% | 1.55% |
| Q4 2024 | 11.03% | 11.03% | 11.56% | 9.80% | 1.31% |
| Q1 2025 | 11.47% | 11.47% | 12.02% | 10.15% | 1.37% |
| Q2 2025 | 10.80% | 10.80% | 11.35% | 9.85% | 1.55% |
| Q3 2025 | 11.27% | 11.27% | 11.83% | 9.71% | 1.55% |
| Q4 2025 | 11.38% | 11.38% | 12.02% | 9.85% | 1.44% |
| Q1 2026 | 10.74% | 10.74% | 11.33% | 9.37% | 1.54% |
| Q2 2026 | 10.75% | 10.75% | 11.37% | 9.05% | 1.35% |
State Bank of the Lakes, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of the Lakes, 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 State Bank of the Lakes, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5744) · FFIEC NIC profile (RSSD 595430)