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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #2624400 2024-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -18
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +6
68
Sub-score

Liquidity is stable: brokered 14.4%, loans/deposits 91.5%, cash 4.9% of assets.

Cash / Assets
4.95%
Loans / Deposits
91.47%
Brokered %
14.36%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.62%
No watch items at this period.

Capitalization

StableQoQ -18
61
Sub-score

Capital position is stable: Tier 1 RBC 10.60%, CET1 10.60%, leverage 9.62%.

Tier 1 RBC
10.60%
CET1
10.60%
Leverage
9.62%
No watch items at this period.

Asset Quality

StrongQoQ +3
98
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.3%, NCO YTD 0.30%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.30%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
73
Sub-score

Reserves are stable: ALLL 0.80% of loans, coverage 472.1%, true coverage 92.5%.

ALLL / Loans
0.80%
Coverage
472.1%
True Loss Coverage
92.5%
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