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Crystal Lake Bank And Trust Company, National Association
Crystal Lake, IL · FDIC Certificate #34681 · Chartered 12/1
Total assets
$2.26B
Total deposits
$1.87B
Total equity
$200.06M
Net loans
$1.74B
Branches (offices)
6
Net income (YTD)
$16.67M
Rank: #548 of 4,213 U.S. banks by assets · #34 of 322 in Illinois. Assets changed 16.0% and deposits 15.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 16.71% |
| Net interest margin (YTD) | 3.39% |
| Equity to assets | 8.85% |
| Tier 1 leverage ratio | 9.65% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 93.2% |
| Real estate loans (share of loans) | 38.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $661.34M | 38.0% | |
| Commercial & industrial | $753.26M | 43.3% | |
| Consumer / individual | $224.96M | 12.9% | |
| Construction & development | $89.52M | 5.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.42B | $1.21B | $6.94M | $125.13M |
| Jun 2023 | $1.63B | $1.38B | $15.89M | $147.70M |
| Jun 2024 | $1.79B | $1.50B | $13.72M | $150.39M |
| Jun 2025 | $1.95B | $1.62B | $15.31M | $176.31M |
| Jun 2026 | $2.26B | $1.87B | $16.67M | $200.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.87B | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.87B.
Similar-sized banks
Plumas Bank ($2.28B) · South Central Bank, Inc. ($2.26B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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