C
Crystal Lake Bank & Trust Company, National Association
Rating Date
March 2026
Risk Based
Capital Ratio
12.31
Leverage
Ratio
10.19
Return On
Assets
1.71%
Total
Assets
2.08B
Capital
196.18M
Total
Deposits
1.73B
Net
Income
32.83M
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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 5.50
Capitalization Index 8.80
Liquidity Index 1.50
Profitability Index 9.60
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 17.04%
5-Year Asset Growth 11.98%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 4.40%
Non-Performing Loans to Loans 0.58%
Balance Sheet Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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Total Assets 2.08B
Total Deposits 1.73B
Capital and Reserves Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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Capital 196.18M
Leverage Ratio 10.19
Loan Loss Reserves to Loans 0.80%
Risk-Based Capital Ratio 12.31
Liquidity Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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Hot Money Ratio 19.82%
Liquidity Ratio 4.27%
Profitability Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL 		Click to
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5-Year Return on Average Assets 1.32%
Net Income 32.83M
Net Interest Spread 3.51%
Operating Profit to Average Assets 2.31%
Overhead Efficiency Ratio 32.66%
Return on Assets 1.71%
Return on Equity 18.48%