What is State Bank of the Lakes, National Association's financial health grade?

State Bank of the Lakes, National Association has a TFS Financial Health Grade of C (score: 76.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does State Bank of the Lakes, National Association have?

State Bank of the Lakes, National Association has 10 branch locations across the United States.

Is State Bank of the Lakes, National Association FDIC insured?

Yes, State Bank of the Lakes, National Association is FDIC insured (Certificate #5744).

What are the total assets of State Bank of the Lakes, National Association?

State Bank of the Lakes, National Association has total assets of $2.5B as reported in its most recent FDIC filing.

State Bank of the Lakes, National Association

BankAntioch, Illinois

www.sbotl.com

Total Assets

$2.5B

Total Deposits

$2.1B

Branches

Established

1926

TFS Health Grade

76.5 / 100

Average financial health

How we grade

State Bank of the Lakes, National Association is a bank headquartered in Antioch, Illinois, established in 1926. With $2.5B in total assets and 10 branch locations, it has a TFS Financial Health Grade of C (76.5/100).

Capital & Safety

Tier 1 Capital Ratio

9.85%(8%)

Total Capital Ratio

12.02%(10%)

Non-Performing Loan Ratio

0.14%

Profitability

Return on Assets (ROA)

1.47%(1%)

Return on Equity (ROE)

12.91%(10%)

Net Interest Margin

3.39%

Efficiency Ratio

39.19%(60%)

Lending & Liquidity

Total Loans

$1.9B

Loan-to-Deposit Ratio

89.65%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+15.98%

Deposit Growth (YoY)

+16.30%

Net Income

$33.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
State Bank of the Lakes, National AssociationHQ	440 Lake St	Antioch	IL	11
State Bank of the Lakes, National Association	50 Commerce Dr	Grayslake	IL	11
State Bank of the Lakes, National Association	345 S Milwaukee Ave	Lake Villa	IL	11
State Bank of the Lakes, National Association	2031 E Grand Ave	Lindenhurst	IL	11
State Bank of the Lakes, National Association	10 E Rollins Rd	Round Lake Beach	IL	11
State Bank of the Lakes, National Association	1906 Holian Dr	Spring Grove	IL	11
State Bank of the Lakes, National Association	235 Freeman St	Genoa City	WI	11
State Bank of the Lakes, National Association	8700 75th St	Kenosha	WI	11
State Bank of the Lakes, National Association	8056 39th Ave	Kenosha	WI	11
State Bank of the Lakes, National Association	5522 26th Ave	Kenosha	WI	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.