State Bank of the Lakes, National Association
Antioch, IL · Cert 5744 · 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 · 10 branches (213 in holding)
Q2 2026
$2.8BAssets
$2.1BLoans
$2.4BDeposits
$285.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 8 of 31).
- Widest gap: tier 1 capital ratio trails 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 28 of 31).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.35%
Rank 20 of 31
Net Interest Margin
2.94%
Rank 28 of 31
Efficiency Ratio
37.25%
Rank 8 of 31
Equity / Assets
10.15%
Rank 16 of 31
Non-interest income vs. expense
Unfavorable gap of $24.3M · efficiency ratio beats 77% 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 | 1.35% | 1.15% | 1.39% | 1.64% | Beats 35% | 20 / 31 | |
| Return on Equity | 13.34% | 11.05% | 13.35% | 16.66% | Beats 45% | 17 / 31 | |
| Net Interest Margin | 2.94% | 3.00% | 3.28% | 3.75% | Beats 10% | 28 / 31 | |
| Efficiency Ratio | 37.25% | 37.25% | 50.71% | 61.60% | Beats 77% | 8 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.18% | 0.41% | 1.00% | Beats 77% | 8 / 31 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.04% | 0.11% | Beats 55% | 15 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 10.75% | 10.88% | 11.50% | 13.72% | Beats 10% | 28 / 31 | |
| Total Risk-Based Capital Ratio | 11.37% | 11.53% | 12.02% | 14.77% | Beats 13% | 27 / 31 | |
| Equity / Assets | 10.15% | 8.90% | 10.15% | 11.24% | Beats 48% | 16 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 87.74% | 80.56% | 87.67% | 94.53% | 52nd pctl | 15 / 31 | |
| Loans / Assets | 74.31% | 67.81% | 73.77% | 76.85% | 55th pctl | 14 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |