Crystal Lake Bank & Trust Company, National Association

Crystal Lake, IL

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Crystal Lake Bank & Trust Company, National Association Crystal Lake, IL	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.40
Capitalization Index	8.40
Liquidity Index	1.20
Profitability Index	9.70
Stability Index	5.00

Company Info	Crystal Lake Bank & Trust Company, National Association Crystal Lake, IL	Click to Compare	Click to Compare	Click to Compare
FDIC Number	34681
Phone Number	(815) 479-5200
Website	www.crystallakebank.com

Asset Quality	Crystal Lake Bank & Trust Company, National Association Crystal Lake, IL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	14.37%
5-Year Asset Growth	10.09%
5-Year Charge-Offs to Average Loans	0.04%
Charge-Offs to Average Loans	0.03%
Non-Performing Assets to Assets	0.10%
Non-Performing Loans to Capital	0.76%
Non-Performing Loans to Loans	0.09%

Balance Sheet	Crystal Lake Bank & Trust Company, National Association Crystal Lake, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	2.02B
Total Deposits	1.68B

Capital and Reserves	Crystal Lake Bank & Trust Company, National Association Crystal Lake, IL	Click to Compare	Click to Compare	Click to Compare
Capital	187.58M
Leverage Ratio	9.91
Loan Loss Reserves to Loans	0.77%
Risk-Based Capital Ratio	12.07

Liquidity	Crystal Lake Bank & Trust Company, National Association Crystal Lake, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	22.61%
Liquidity Ratio	4.52%

Profitability	Crystal Lake Bank & Trust Company, National Association Crystal Lake, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.32%
Net Income	25.02M
Net Interest Spread	3.58%
Operating Profit to Average Assets	2.39%
Overhead Efficiency Ratio	32.58%
Return on Assets	1.77%
Return on Equity	19.29%