C
State Bank of the Lakes, National Association
Antioch,  IL
Rating Date
August 2026
Risk Based
Capital Ratio
11.37
Leverage
Ratio
9.05
Return On
Assets
1.44%
Total
Assets
2.81B
Capital
285.35M
Total
Deposits
2.38B
Net
Income
19.03M
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Weiss Ratings State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Rating C
Asset Quality Index 6.80
Capitalization Index 6.70
Liquidity Index 2.70
Profitability Index 7.70
Stability Index 5.00
Company Info State Bank of the Lakes, National Association
Antioch, IL 		Click to
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FDIC Number 5744
Phone Number (847) 395-2700
Website www.sbotl.com
Asset Quality State Bank of the Lakes, National Association
Antioch, IL 		Click to
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1-Year Asset Growth 20.69%
5-Year Asset Growth 11.83%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 1.48%
Non-Performing Loans to Loans 0.10%
Balance Sheet State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Total Assets 2.81B
Total Deposits 2.38B
Capital and Reserves State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Capital 285.35M
Leverage Ratio 9.05
Loan Loss Reserves to Loans 0.55%
Risk-Based Capital Ratio 11.37
Liquidity State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Hot Money Ratio 13.34%
Liquidity Ratio 6.44%
Profitability State Bank of the Lakes, National Association
Antioch, IL 		Click to
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5-Year Return on Average Assets 1.29%
Net Income 19.03M
Net Interest Spread 3.16%
Operating Profit to Average Assets 1.94%
Overhead Efficiency Ratio 37.25%
Return on Assets 1.44%
Return on Equity 13.61%