C
State Bank of the Lakes, National Association
Antioch,  IL
Rating Date
March 2026
Risk Based
Capital Ratio
12.02
Leverage
Ratio
9.85
Return On
Assets
1.48%
Total
Assets
2.50B
Capital
279.57M
Total
Deposits
2.08B
Net
Income
33.89M
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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 6.60
Capitalization Index 7.50
Liquidity Index 2.70
Profitability Index 7.80
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 15.98%
5-Year Asset Growth 11.83%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 1.08%
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 2.50B
Total Deposits 2.08B
Capital and Reserves State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Capital 279.57M
Leverage Ratio 9.85
Loan Loss Reserves to Loans 0.50%
Risk-Based Capital Ratio 12.02
Liquidity State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Hot Money Ratio 13.61%
Liquidity Ratio 5.60%
Profitability State Bank of the Lakes, National Association
Antioch, IL 		Click to
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5-Year Return on Average Assets 1.11%
Net Income 33.89M
Net Interest Spread 3.38%
Operating Profit to Average Assets 1.98%
Overhead Efficiency Ratio 39.19%
Return on Assets 1.48%
Return on Equity 12.92%