State Bank of the Lakes, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
This quarter marks the 100-year anniversary of State Bank of the Lakes's 1926 charter. State Bank of the Lakes, N.A. is a community bank chartered in 1926, based in Antioch, IL. As of Q2 2026, the bank held approximately $2.8B in total assets and $2.4B in deposits. Returns are notably above industry norms: 1.35% ROA, 13.14% ROE, and 3.12% NIM. Capital cushions are healthy: 10.75% CET1, 9.05% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.10%. 10 branches make up the footprint.
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 0.10%, a Texas ratio of 1.64%, per financial data filed with the FFIEC.
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)
- Offices
- 10 domestic
- 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 |
|---|---|---|
| Crane Timothy | CEO | PRESIDENT & CEO |
| Stoehr David L | CFO | CHIEF FINANCIAL OFFICER |
| Dykstra David A | COO | VICE CHAIRMAN AND COO |
| Zidar Thomas P | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| Boege Kathleen M | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| Lentino James V | CRO | SVP and Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full State Bank of the Lakes, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.75% | 1.35% | 0.10% | 1.64% | 3.12% |
| Q1 2026 | 10.74% | 1.54% | 0.08% | 1.01% | 3.20% |
| Q4 2025 | 11.38% | 1.44% | 0.10% | 1.21% | 3.33% |
| Q3 2025 | 11.27% | 1.55% | 0.08% | 1.06% | 3.35% |
| Q2 2025 | 10.80% | 1.55% | 0.09% | 1.17% | 3.48% |
| Q1 2025 | 11.47% | 1.37% | 0.18% | 1.89% | 3.34% |
| Q4 2024 | 11.03% | 1.31% | 0.27% | 2.99% | 3.44% |
| Q3 2024 | 11.17% | 1.55% | 0.11% | 1.56% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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
What the public regulatory sources show for State Bank of the Lakes, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank of the Lakes, N.A. headquartered?
State Bank of the Lakes, N.A. is headquartered in Antioch, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank of the Lakes, N.A. founded?
State Bank of the Lakes, N.A. was established in 1926, per the FDIC institution directory.
Is State Bank of the Lakes, N.A. FDIC-insured?
Yes. State Bank of the Lakes, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank of the Lakes, N.A.'s CET1 capital ratio?
State Bank of the Lakes, N.A. 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?
State Bank of the Lakes, N.A. 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?
State Bank of the Lakes, N.A.'s Texas Ratio is 1.64% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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