Side-by-side · Q2 2026 data
Peoples National Bank , N.A. 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 | Peoples National Bank , N.A. | Crystal Lake Bank and Trust Company, National Association |
|---|---|---|
| TellerScore | 62 | 70 (stronger) |
| Capital cushion | 43 | 47 (stronger) |
| Loan quality | 72 | 89 (stronger) |
| Earnings | 79 | 82 (stronger) |
| Funding & liquidity | 49 | 51 (stronger) |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 27th | 58th |
| Total assets | $2.1B | $2.3B |
| Deposits / shares | $1.8B | $1.9B |
| Capital ratio | 9.26% | 9.65% (stronger) |
| Problem loans | 0.84% | 0.34% (stronger) |
| Net charge-offs | 0.23% | 0.14% (stronger) |
| Return on assets | 1.46% | 1.54% (stronger) |
| Loans ÷ deposits | 98.6% | 93.2% (stronger) |
| Uninsured deposits | 26.4% (stronger) | 29.7% |
| Offices | 20 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 0.0% |
Crystal Lake Bank and Trust Company, National Association has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Peoples National Bank , N.A. leads on 1 and Crystal Lake Bank and Trust Company, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.