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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Crystal Lake Bank & Trust Co. N.A.

Crystal Lake, Illinois · $2.26B in assets · beside the 11 other Illinois banks between $1B and $3B

The filing

34.0%
Efficiency
1st of 12
24.0%
CRE / loans
2nd of 12
8.9%
Equity / assets
10th of 12

Crystal Lake Bank & Trust Co. N.A. is the fifth largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.26B in assets at 30 June 2026. Loans are 94.0% of deposits, 9th of 12 against a median of 85.0%, and equity is 8.9% of assets, 10th of 12. Loans grew +13.1% in the year, 3rd of 12, and deposits grew 15.4%; the cohort's median loan growth is +8.8%.

Noncurrent loans are 0.34% of the book, 6th of 12 against a median of 0.55%; 0.69% is 30 to 89 days past due, and the allowance covers them 2.5 times. Net charge-offs are 0.13% of loans, 9th of 12. Commercial real estate is 24.0% of loans, 2nd of 12 against a median of 32.8%, and 185% of capital, below the 300% screen, with construction at 39% against the 100% screen.

Return on assets is 1.52%, 3rd of 12 against a median of 1.33%, on an efficiency ratio of 34.0%, the lowest in the cohort. Five years ago it was 1.13%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 56.3% CL Crystal Lake Bank & Trust Co. N.A. 34.0% SB Schaumburg Bank & Trust Co. N.A. 34.5% SB Signature Bank 41.7% BB Blackhawk Bank & Trust 46.1% AC American Commercial Bank & Trust N.A. 50.9% FB FCB Banks 51.0% RB Republic Bank of Chicago 61.5% PN Peoples National Bank N A 62.1% Bo Bank of Springfield 63.8% IN Inb National Association 63.8% MB Marquette Bank 74.2% FB First Bank Chicago 80.2%
Loans, year over yearIL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.8% Bo Bank of Springfield +13.4% AC American Commercial Bank & Trust N.A. +13.1% CL Crystal Lake Bank & Trust Co. N.A. +13.1% FB First Bank Chicago +11.5% BB Blackhawk Bank & Trust +9.6% SB Signature Bank +8.9% PN Peoples National Bank N A +8.6% FB FCB Banks +5.6% SB Schaumburg Bank & Trust Co. N.A. +2.2% RB Republic Bank of Chicago -0.5% IN Inb National Association -1.7% MB Marquette Bank -1.8%

SBA 7(a), FY2008 to FY2026

Crystal Lake Bank & Trust Co. N.A. is the 77th largest 7(a) lender into Illinois of 537, with $35M across 59 loans, 0.2% of everything approved in the state (Byline Bank leads with $2.39B). 2 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Mchenry, IL$15M7th of 1083.4%+0.5 pts
Dupage, IL$6M55th of 1880.3%thin
Lake, IL$5M47th of 1600.4%+0.0 pts
Cook, IL$5M116th of 2820.1%+0.1 pts
Kane, IL$4M44th of 1410.5%quiet FY2022
Will, IL$255K122nd of 1450.0%quiet FY2011
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction19$16M45.2%0.05%276th of 2,063
Manufacturing2$4M10.2%0.01%829th of 2,246
Professional & technical services4$4M10.1%0.01%544th of 1,955
Accommodation & food services8$2M6.5%0.00%1179th of 2,596
Wholesale trade7$2M5.8%0.01%680th of 1,651
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Crystal Lake
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans CL Crystal Lake Bank & Trust Company… 0.2% $35M · 59 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Crystal LakeRankCohort median
Total CRE against capital, the 300% screen185%3rd of 12272%
Construction against capital, the 100% screen39%4th of 1249%
Construction and land development, share of loans5.1%4th of 127.2%
Non-owner-occupied nonfarm nonresidential, share of loans11.9%3rd of 1217.1%
Total CRE, the guidance definition, share of loans24.0%2nd of 1232.8%
CRE growth over 36 months, the third prong+36.1%8th of 12+21.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Inb National Association$2.68B1.2%63.8%1.10%0.10%1.1%80.9%9.1%
FCB Banks$2.64B1.8%51.0%0.76%0.01%1.1%90.3%8.1%
Republic Bank of Chicago$2.61B1.3%61.5%1.27%0.02%1.2%74.1%12.3%
Schaumburg Bank & Trust Co. N.A.$2.56B1.7%34.5%0.11%0.04%0.5%84.3%9.3%
Crystal Lake Bank & Trust Co. N.A.$2.26B1.5%34.0%0.34%0.13%0.8%94.0%8.9%
First Bank Chicago$2.23B0.3%80.2%1.09%0.14%0.8%85.7%8.9%
Marquette Bank$2.09B0.7%74.2%0.10%0.04%1.0%80.6%9.1%
Peoples National Bank N A$2.08B1.5%62.1%0.84%0.23%1.2%99.8%8.6%
American Commercial Bank & Trust N.A.$2.07B1.3%50.9%0.29%0.02%1.5%95.2%9.1%
Signature Bank$2.07B0.1%41.7%0.05%3.73%1.0%73.4%10.4%
Blackhawk Bank & Trust$2.04B1.5%46.1%0.09%0.11%1.0%79.1%9.6%
Bank of Springfield$2.00B1.3%63.8%1.43%-0.01%1.0%100.9%9.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Crystal LakeCohort median
20212026Change20212026Change
Loans$1.04B$1.75B+69%$1.06B$1.74B+64%
Deposits$1.10B$1.87B+70%$1.33B$1.84B+39%
NPA / loans0.17%0.34%+0.17 pts0.46%0.55%+0.08 pts
Efficiency56.1%34.0%-22.1 pts58.2%56.3%-1.9 pts
ROA1.13%1.52%+0.40 pts1.11%1.33%+0.22 pts

This read was prepared for Crystal Lake Bank & Trust Co. N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Crystal Lake Bank & Trust Co. N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $1B to $3B
Institution crystallakebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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