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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #2624400 2025-Q2 Vital Signs Score: 81/100 — 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

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

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +4
64
Sub-score

Liquidity is stable: brokered 12.5%, loans/deposits 95.2%, cash 3.3% of assets.

Cash / Assets
3.26%
Loans / Deposits
95.15%
Brokered %
12.47%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.55%
No watch items at this period.

Capitalization

StableQoQ +1
65
Sub-score

Capital position is stable: Tier 1 RBC 10.83%, CET1 10.83%, leverage 10.02%.

Tier 1 RBC
10.83%
CET1
10.83%
Leverage
10.02%
No watch items at this period.

Asset Quality

StrongQoQ +6
100
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.9%, NCO YTD 0.01%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.01%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
77
Sub-score

Reserves are stable: ALLL 0.80% of loans, coverage 337.4%, true coverage 155.4%.

ALLL / Loans
0.80%
Coverage
337.4%
True Loss Coverage
155.4%
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