TellerScore

Headquartered in Crystal Lake, Illinois, Crystal Lake Bank and Trust Company, National Association is a national bank with $2.3B in total assets and $1.9B in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1997.

Based on its Q2 2026 filing, Crystal Lake Bank and Trust Company, National Association scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 161st. Its strongest component is problem-loan coverage (95/100; 2.7%), and its lowest is capital cushion (47/100; 9.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.65%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 93.2% · 29.7% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).

TellerScore
697274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202469
Q4 202470
Q1 202569
Q2 202571
Q3 202574
Q4 202569
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%7.60%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.62%
Q3 20249.78%
Q4 20249.84%
Q1 20259.83%
Q2 202510.02%
Q3 20259.91%
Q4 202510.19%
Q1 202610.18%
Q2 20269.65%
Noncurrent loans
0.09%0.34%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.54%
Q4 20240.51%
Q1 20250.32%
Q2 20250.24%
Q3 20250.09%
Q4 20250.60%
Q1 20260.40%
Q2 20260.34%
Return on assets
1.50%1.65%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.63%
Q3 20241.80%
Q4 20241.76%
Q1 20251.50%
Q2 20251.65%
Q3 20251.76%
Q4 20251.70%
Q1 20261.50%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$2.3B9.65%0.34%1.54%93.2%
Q1 202671$2.1B10.18%0.40%1.50%89.6%
Q4 202569$2.1B10.19%0.60%1.70%91.9%
Q3 202574$2.0B9.91%0.09%1.76%93.2%
Q2 202571$1.9B10.02%0.24%1.65%95.2%
Q1 202569$1.8B9.83%0.32%1.50%95.3%
Q4 202470$1.8B9.84%0.51%1.76%95.4%
Q3 202469$1.8B9.78%0.54%1.80%95.4%
Q2 202472$1.8B9.62%0.17%1.63%91.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.65%
27th
Total risk-based capital11.63%
29th
Problem loans0.34%
65th
Net charge-offs0.14%
24th
Return on assets1.54%
71st
Net interest margin3.39%
31st
Efficiency ratio34.0%
96th
Loans to deposits93.2%
32nd
Uninsured deposits29.7%
54th
Loan-loss reserves0.82%
16th
Texas ratio2.7%
61st

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank ChicagoBank Highland Park, IL52 out of 100, Below average$2.2B9.1%1.09%vs
Marquette BankBank Chicago, IL66 out of 100, Moderate$2.1B8.4%0.10%vs
Peoples National Bank , N.A.Bank Mount Vernon, IL62 out of 100, Moderate$2.1B9.3%0.84%vs
American Commercial Bank & Trust, National AssociationBank Ottawa, IL66 out of 100, Moderate$2.1B9.3%0.29%vs
Blackhawk Bank & TrustBank Milan, IL76 out of 100, Strong$2.0B10.5%0.09%vs
Bank of SpringfieldBank Springfield, IL55 out of 100, Moderate$2.0B9.2%1.43%vs

Deposit insurance

Is my money safe at Crystal Lake Bank and Trust Company, National Association?

Yes. Crystal Lake Bank and Trust Company, National Association is an FDIC-insured institution (FDIC certificate #34681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($554.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.63% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Crystal Lake Bank and Trust Company, National Association lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Crystal Lake Bank and Trust Company, National Association reported 103 home-loan applications under HMDA (LEI 3HICJPQ15PGZSBFDNJ82): 90 originated ($129,170,000 total), 0 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Crystal Lake Bank and Trust Company, National Association
Type
National bank
FDIC certificate #
34681
RSSD ID
2624400
Primary regulator
OCC
Holding company
Wintrust Financial Corp
Established
December 19, 1997
Headquarters
70 N Williams St, Crystal Lake, IL 60014
Employees
59

Quick answers

Crystal Lake Bank and Trust Company, National Association: common questions

Is Crystal Lake Bank and Trust Company, National Association FDIC insured?

Yes. Crystal Lake Bank and Trust Company, National Association is an FDIC-insured institution (FDIC certificate #34681). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Crystal Lake Bank and Trust Company, National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Crystal Lake Bank and Trust Company, National Association ever failed?

There is no failure record for FDIC certificate #34681 in the FDIC failed bank list.

How many branches does Crystal Lake Bank and Trust Company, National Association have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Crystal Lake

InstitutionScoreAssetsCapitalProblem loansCompare
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
A.A.E.C. Credit UnionCredit union Arlington Heigh, IL84 out of 100, Strong$118.9M13.0%0.02%vs
Heritage Bank of SchaumburgBank Schaumburg, IL83 out of 100, Strong$150.0M10.9%0.00%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs