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Crystal Lake Bank And Trust Company National Association

IDRSSD: 2624400
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #2624400 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.56% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -2
63
Sub-score

Liquidity is stable: brokered 11.9%, loans/deposits 95.7%, cash 2.6% of assets.

Cash / Assets
2.56%
Loans / Deposits
95.72%
Brokered %
11.91%

Watch Items

  • infoCash / Assets below 3% — Cash 2.56% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.35%
No watch items at this period.

Capitalization

StableQoQ -5
80
Sub-score

Capital position is stable: Tier 1 RBC 11.37%, CET1 11.37%, leverage 10.13%.

Tier 1 RBC
11.37%
CET1
11.37%
Leverage
10.13%
No watch items at this period.

Asset Quality

StrongQoQ -3
95
Sub-score

Asset quality is strong: Adjusted NPL 0.19%, Texas Ratio 1.4%, NCO YTD 0.09%.

Adjusted NPL
0.19%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.09%
30-89 PD
1.14%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
78
Sub-score

Reserves are stable: ALLL 0.83% of loans, coverage 443.1%, true coverage 155.2%.

ALLL / Loans
0.83%
Coverage
443.1%
True Loss Coverage
155.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 12:04:53 UTC