C
State Bank of the Lakes, National Association
Antioch,  IL
Rating Date
October 2025
Risk Based
Capital Ratio
11.83
Leverage
Ratio
9.71
Return On
Assets
1.49%
Total
Assets
2.39B
Capital
270.57M
Total
Deposits
2.02B
Net
Income
25.18M
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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 7.20
Liquidity Index 2.50
Profitability Index 7.90
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 12.09%
5-Year Asset Growth 12.25%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.94%
Non-Performing Loans to Loans 0.08%
Balance Sheet State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Total Assets 2.39B
Total Deposits 2.02B
Capital and Reserves State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Capital 270.57M
Leverage Ratio 9.71
Loan Loss Reserves to Loans 0.47%
Risk-Based Capital Ratio 11.83
Liquidity State Bank of the Lakes, National Association
Antioch, IL 		Click to
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Hot Money Ratio 14.06%
Liquidity Ratio 4.62%
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 25.18M
Net Interest Spread 3.40%
Operating Profit to Average Assets 2.00%
Overhead Efficiency Ratio 40.35%
Return on Assets 1.49%
Return on Equity 13.01%