C
Crystal Lake Bank & Trust Company, National Association
Rating Date
August 2026
Risk Based
Capital Ratio
11.63
Leverage
Ratio
9.65
Return On
Assets
1.56%
Total
Assets
2.26B
Capital
200.06M
Total
Deposits
1.87B
Net
Income
16.67M
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Weiss Ratings Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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Rating C
Asset Quality Index 6.50
Capitalization Index 8.00
Liquidity Index 2.10
Profitability Index 9.00
Stability Index 5.00
Company Info Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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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
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1-Year Asset Growth 15.96%
5-Year Asset Growth 11.98%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.14%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 2.60%
Non-Performing Loans to Loans 0.31%
Balance Sheet Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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Total Assets 2.26B
Total Deposits 1.87B
Capital and Reserves Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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Capital 200.06M
Leverage Ratio 9.65
Loan Loss Reserves to Loans 0.82%
Risk-Based Capital Ratio 11.63
Liquidity Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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Hot Money Ratio 16.98%
Liquidity Ratio 7.38%
Profitability Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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5-Year Return on Average Assets 1.53%
Net Income 16.67M
Net Interest Spread 3.38%
Operating Profit to Average Assets 2.08%
Overhead Efficiency Ratio 33.97%
Return on Assets 1.56%
Return on Equity 16.65%