Crystal Lake Bank and Trust Company, National Association

BankCrystal Lake, Illinois
crystallakebank.com

Total Assets

$2.1B

Total Deposits

$1.7B

Branches

6

Established

1997

TFS Health Grade

$
C+

77.7 / 100

Average financial health

How we grade

Crystal Lake Bank and Trust Company, National Association is a bank headquartered in Crystal Lake, Illinois, established in 1997. With $2.1B in total assets and 6 branch locations, it has a TFS Financial Health Grade of C+ (77.7/100).

Capital & Safety

Tier 1 Capital Ratio
10.19%(8%)
Total Capital Ratio
12.31%(10%)
Non-Performing Loan Ratio
0.60%

Profitability

Return on Assets (ROA)
1.70%(1%)
Return on Equity (ROE)
18.44%(10%)
Net Interest Margin
3.60%
Efficiency Ratio
32.66%(60%)

Lending & Liquidity

Total Loans
$1.6B
Loan-to-Deposit Ratio
91.87%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+17.04%
Deposit Growth (YoY)
+18.44%
Net Income
$32.8M

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.

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