Side-by-side · Q2 2026 data
Bank of Springfield vs Crystal Lake Bank and Trust Company, National Association
Bank
Crystal Lake Bank and Trust Company, National Association
Crystal Lake, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | Bank of Springfield | Crystal Lake Bank and Trust Company, National Association |
|---|---|---|
| TellerScore | 55 | 70 (stronger) |
| Capital cushion | 42 | 47 (stronger) |
| Loan quality | 52 | 89 (stronger) |
| Earnings | 72 | 82 (stronger) |
| Funding & liquidity | 51 | 51 |
| Problem-loan coverage | 75 | 95 (stronger) |
| Peer percentile | 13th | 58th |
| Total assets | $2.0B | $2.3B |
| Deposits / shares | $1.7B | $1.9B |
| Capital ratio | 9.22% | 9.65% (stronger) |
| Problem loans | 1.43% | 0.34% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.14% |
| Return on assets | 1.30% | 1.54% (stronger) |
| Loans ÷ deposits | 99.9% | 93.2% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 29.7% |
| Offices | 18 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 0.0% |
Crystal Lake Bank and Trust Company, National Association has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Bank of Springfield leads on 2 and Crystal Lake Bank and Trust Company, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.