This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Ottawa, IL
Health score
83.8
Total assets
$2.1B
Bank
Crystal Lake, IL
Health score
82.5
Total assets
$2.3B
Answer first
American Commercial Bank & Trust, National Association leads on financial health and lending quality; Crystal Lake Bank and Trust Company, National Association leads on capitalization and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
American Commercial Bank & Trust, National Association
Higher TFS health score
Capitalization
Crystal Lake Bank and Trust Company, National Association
Higher comparable capital ratio
Profitability
Crystal Lake Bank and Trust Company, National Association
Higher return on assets
Lending quality
American Commercial Bank & Trust, National Association
Lower problem-loan measure
Growth
Crystal Lake Bank and Trust Company, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | American Commercial Bank & Trust, National Association | Crystal Lake Bank and Trust Company, National Association |
|---|---|---|
| TFS health score | 83.8/100Leads | 82.5/100 |
| Total assets | $2.1B | $2.3B |
| Total deposits / shares | $1.8B | $1.9B |
| Tier 1 capital ratio | 9.34% | 9.65%Leads |
| Return on assets | 1.34% | 1.54%Leads |
| Return on equity | 14.97% | 16.71%Leads |
| Non-performing loans | 0.29%Leads | 0.34% |
| Net charge-offs | 0.02%Leads | 0.14% |
| Efficiency ratio | 50.85% | 33.97%Leads |
| Loan-to-deposit ratio | 93.80% | 93.18% |
| Asset growth (YoY) | 11.96% | 15.96%Leads |
| Deposit / share growth (YoY) | 12.42% | 15.44%Leads |
| Branches | 11 | 6 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
American Commercial Bank & Trust, National Association
11 branches
Crystal Lake Bank and Trust Company, National Association
6 branches
Both institutions report branches in 1 state: IL.
American Commercial Bank & Trust, National Association
Unavailable
Crystal Lake Bank and Trust Company, National Association
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
American Commercial Bank & Trust, National Association
0 in TFS registry
Crystal Lake Bank and Trust Company, National Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | American Commercial Bank & Trust, National Association score | American Commercial Bank & Trust, National Association ROA | Crystal Lake Bank and Trust Company, National Association score | Crystal Lake Bank and Trust Company, National Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.22% | — | 1.80% |
| 2024-Q4 | — | 1.30% | — | 1.76% |
| 2025-Q1 | — | 1.34% | — | 1.50% |
| 2025-Q2 | — | 1.35% | — | 1.65% |
| 2025-Q3 | — | 1.46% | — | 1.76% |
| 2025-Q4 | — | 1.46% | — | 1.70% |
| 2026-Q1 | 82.4/100 | 1.23% | 83.8/100 | 1.50% |
| 2026-Q2 | 83.8/100 | 1.34% | 82.5/100 | 1.54% |
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.