Crystal Lake Bank & Trust Company, National Association
Crystal Lake, IL · Cert 34681 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.
National charter · OCC · 15 affiliate banks · 6 branches (213 in holding)
Q2 2026
$2.3BAssets
$1.8BLoans
$1.9BDeposits
$200.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 5 of 31).
- Widest gap: tier 1 capital ratio trails 84% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 26 of 31).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.48%
Rank 11 of 31
Net Interest Margin
3.20%
Rank 19 of 31
Efficiency Ratio
33.97%
Rank 5 of 31
Equity / Assets
8.85%
Rank 25 of 31
Non-interest income vs. expense
Unfavorable gap of $18.9M · efficiency ratio beats 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 1.15% | 1.39% | 1.64% | Beats 65% | 11 / 31 | |
| Return on Equity | 16.66% | 11.05% | 13.35% | 16.66% | Beats 74% | 8 / 31 | |
| Net Interest Margin | 3.20% | 3.00% | 3.28% | 3.75% | Beats 39% | 19 / 31 | |
| Efficiency Ratio | 33.97% | 37.25% | 50.71% | 61.60% | Beats 87% | 5 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.18% | 0.41% | 1.00% | Beats 68% | 11 / 31 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.04% | 0.11% | Beats 32% | 22 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 10.88% | 11.50% | 13.72% | Beats 16% | 26 / 31 | |
| Total Risk-Based Capital Ratio | 11.63% | 11.53% | 12.02% | 14.77% | Beats 29% | 22 / 31 | |
| Equity / Assets | 8.85% | 8.90% | 10.15% | 11.24% | Beats 19% | 25 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 93.96% | 80.56% | 87.67% | 94.53% | 68th pctl | 10 / 31 | |
| Loans / Assets | 77.63% | 67.81% | 73.77% | 76.85% | 81st pctl | 6 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |