Crystal Lake Bank and Trust Company, National Association
Crystal Lake, IL
IDRSSD: 2624400
Total Assets
$2.02B
Latest filing
Total Deposits
$1.68B
Latest filing
Net Interest Margin
3.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Crystal Lake Bank and Trust Company, National Association
70 N Williams St
Crystal Lake, IL 60014
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/19/1997FDIC Certificate 61192
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Crystal Lake Bank and Trust Company, National Association (Main) | 70 N Williams St | Crystal Lake, IL |
| CRYSTAL LAKE BRANCH | 27 North Main Street | Crystal Lake, IL |
| MCHENRY BANK AND TRUST BRANCH | 2205 N Richmond Rd | Mchenry, IL |
| CARY BRANCH | 60 E Main St | Cary, IL |
| ALGONQUIN BANK BRANCH | 4049 W Algonquin Rd | Algonquin, IL |
| CRYSTAL LAKE BRANCH | 5100 Northwest Hwy | Crystal Lake, IL |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/19/1997 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 60014 |
| State and County Number | 17111 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/19/1997 |
| Primary Insurance Agency | DIF |
| Website | crystallakebank.com |
| Data Updated | 11/14/2025 |
| CERT | 34681 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.02B |
| Total Deposits | $1.68B |
| Total Liabilities | $1.83B |
| Total Equity Capital | $187.58M |
| Net Income | $9.71M |
| Net Loans and Leases | $1.57B |
| Assets Per Employee ($Millions) | $34.21M |
| Bank Premises and Fixed Assets | $13.34M |
| Cash and Balances due from Depository Institutions | $64.36M |
| Deposits Held in Domestic Offices | $1.68B |
Key Performance Ratios
| Return on Assets (ROA) | 1.96% |
| Return on Equity (ROE) | 21.35% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 30.5% |
| Tier 1 Risk-Based Capital Ratio | 11.286% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.293% |
| Earning Assets to total Assets | 92.73% |
Income and Expense
| Total Interest Income | $28.82M |
| Total Noninterest Income | $1.46M |
| Total Interest Expense | $11.76M |
| Total Noninterest Expense | $5.65M |
| Net Interest Income | $17.07M |
| Pre-tax Net Operating Income | $13.11M |
| Provision for Credit Losses | $-232,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $578.00k |
| Other borrowed funds | $125.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.85M |
| Total Liabilities and Capital | $2.02B |
Securities
| Securities | $243.27M |
| Available-for-sale debt securities | $136.14M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $105.56M |
| Subordinated Debt | $0 |
| Trading Account Assets | $6.07M |
| Trading Liabilities | $6.06M |
Frequently Asked Questions
What are the total assets of Crystal Lake Bank and Trust Company, National Association?
$2.02B as of the latest filing.
How much are Crystal Lake Bank and Trust Company, National Association's total deposits?
$1.68B in total deposits.
Where is Crystal Lake Bank and Trust Company, National Association located?
Crystal Lake, IL.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
6.
When was it established?
12/19/1997.
What is the Return on Assets (ROA)?
1.96%.
How much are total loans and leases?
$1.57B (latest filing).
What is the total interest income (latest filing)?
$28.82M.