State Bank of the Lakes, National Association is a national bank headquartered in Antioch, Illinois, in business for about 100 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.4B in deposits, with 10 offices across 2 states.
Based on its Q2 2026 filing, State Bank of the Lakes, National Association scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 151st. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is capital cushion (40/100; 9.05%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 3 points (74 → 71), mostly because the capital cushion component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 73 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.72% |
| Q3 2024 | 9.86% |
| Q4 2024 | 9.80% |
| Q1 2025 | 10.15% |
| Q2 2025 | 9.85% |
| Q3 2025 | 9.71% |
| Q4 2025 | 9.85% |
| Q1 2026 | 9.37% |
| Q2 2026 | 9.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.36% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $2.8B | 9.05% | 0.18% | 1.43% | 87.3% |
| Q1 2026 | 73 | $2.7B | 9.37% | 0.11% | 1.51% | 87.8% |
| Q4 2025 | 74 | $2.5B | 9.85% | 0.14% | 1.47% | 89.7% |
| Q3 2025 | 74 | $2.4B | 9.71% | 0.12% | 1.49% | 90.3% |
| Q2 2025 | 74 | $2.3B | 9.85% | 0.12% | 1.45% | 92.3% |
| Q1 2025 | 73 | $2.2B | 10.15% | 0.22% | 1.36% | 93.2% |
| Q4 2024 | 71 | $2.2B | 9.80% | 0.34% | 1.43% | 93.2% |
| Q3 2024 | 73 | $2.1B | 9.86% | 0.18% | 1.47% | 92.3% |
| Q2 2024 | 72 | $2.1B | 9.72% | 0.21% | 1.43% | 91.1% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lakeside BankBank Chicago, IL | 75 out of 100, Strong | $2.9B | 11.0% | 0.03% | vs |
| Beverly Bank & Trust Company, National AssociationBank Chicago, IL | 71 out of 100, Strong | $2.7B | 9.9% | 0.40% | vs |
| INB, National AssociationBank Springfield, IL | 62 out of 100, Moderate | $2.7B | 9.4% | 1.10% | vs |
| FCB BanksBank Collinsville, IL | 66 out of 100, Moderate | $2.6B | 8.5% | 0.76% | vs |
| Republic Bank of ChicagoBank Oak Brook, IL | 68 out of 100, Moderate | $2.6B | 12.6% | 1.27% | vs |
| Schaumburg Bank & Trust Company, National AssociationBank Schaumburg, IL | 73 out of 100, Strong | $2.6B | 9.4% | 0.11% | vs |
Deposit insurance
Is my money safe at State Bank of the Lakes, National Association?
Yes. State Bank of the Lakes, National Association is an FDIC-insured institution (FDIC certificate #5744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.5% of deposits ($489.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.05%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.37% (benchmark: 10%).
10 locations
Branches
State Bank of the Lakes, National Association lists 10 offices in 8 cities across 2 states. Most locations:
- Kenosha, WI (3)
- Antioch, IL (1)
- Genoa City, WI (1)
- Grayslake, IL (1)
- Lake Villa, IL (1)
- Lindenhurst, IL (1)
- Round Lake Beach, IL (1)
- Spring Grove, IL (1)
HMDA 2025
Mortgage lending
In 2025, State Bank of the Lakes, National Association reported 114 home-loan applications under HMDA (LEI 549300KX2KT8MOAS5Q71): 98 originated ($71,160,000 total), 4 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, 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
- State Bank of the Lakes, National Association
- Former names
- State Bank of the Lakes; State Bank of Antioch
- Type
- National bank
- FDIC certificate #
- 5744
- RSSD ID
- 595430
- Primary regulator
- OCC
- Holding company
- Wintrust Financial Corp
- Established
- January 1, 1926
- Headquarters
- 440 Lake St, Antioch, IL 60002
- Website
- www.sbotl.com
- Employees
- 85
Quick answers
State Bank of the Lakes, National Association: common questions
Is State Bank of the Lakes, National Association FDIC insured?
Yes. State Bank of the Lakes, National Association is an FDIC-insured institution (FDIC certificate #5744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of the Lakes, National Association's TellerScore?
71 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 State Bank of the Lakes, National Association ever failed?
There is no failure record for FDIC certificate #5744 in the FDIC failed bank list.
How many branches does State Bank of the Lakes, National Association have?
10 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Antioch
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| Rome Kraft Employees Credit UnionCredit union Coosa, GA | 89 out of 100, Very strong | $23.0M | 24.7% | 0.49% | vs |
| Flexpak Federal Credit UnionCredit union Woods Cross, UT | 87 out of 100, Very strong | $1.9M | 19.9% | 0.00% | vs |
| Peoria Fire Fighters Credit UnionCredit union Peoria, IL | 87 out of 100, Very strong | $4.6M | 28.2% | 0.00% | vs |
| Lco Federal Credit UnionCredit union Hayward, WI | 85 out of 100, Very strong | $2.9M | 13.7% | 0.32% | vs |