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State Bank Of The Lakes, National Association
Antioch, IL · FDIC Certificate #5744 · Chartered 01/0
Total assets
$2.81B
Total deposits
$2.38B
Total equity
$285.35M
Net loans
$2.08B
Branches (offices)
10
Net income (YTD)
$19.03M
Rank: #458 of 4,213 U.S. banks by assets · #28 of 322 in Illinois. Assets changed 20.7% and deposits 20.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 13.56% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 10.15% |
| Tier 1 leverage ratio | 9.05% |
| Uninsured deposits (share of deposits) | 20.5% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 87.3% |
| Real estate loans (share of loans) | 34.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $716.02M | 34.5% | |
| Commercial & industrial | $790.02M | 38.0% | |
| Consumer / individual | $409.60M | 19.7% | |
| Construction & development | $92.51M | 4.5% | |
| Agricultural | $47.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.71B | $1.48B | $8.48M | $197.98M |
| Jun 2023 | $1.97B | $1.66B | $14.66M | $218.26M |
| Jun 2024 | $2.12B | $1.79B | $14.46M | $237.35M |
| Jun 2025 | $2.33B | $1.97B | $16.02M | $259.50M |
| Jun 2026 | $2.81B | $2.38B | $19.03M | $285.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $2.09B | 6 |
| Wisconsin | $293.39M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.38B.
Similar-sized banks
Chemung Canal Trust Company, National Association ($2.82B) · Bank Of New Hampshire ($2.80B)
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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