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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q4QoQ -3

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

Quarterly Headline

2025-Q4

Bank #2624400 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.65% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ 0
65
Sub-score

Liquidity is stable: brokered 12.2%, loans/deposits 91.9%, cash 2.6% of assets.

Cash / Assets
2.65%
Loans / Deposits
91.87%
Brokered %
12.20%

Watch Items

  • infoCash / Assets below 3% — Cash 2.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.82%
No watch items at this period.

Capitalization

StableQoQ +3
73
Sub-score

Capital position is stable: Tier 1 RBC 11.50%, CET1 11.50%, leverage 10.19%.

Tier 1 RBC
11.50%
CET1
11.50%
Leverage
10.19%
No watch items at this period.

Asset Quality

StrongQoQ -5
92
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 4.4%, NCO YTD 0.17%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.17%
30-89 PD
1.24%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -14
62
Sub-score

Reserves are stable: ALLL 0.80% of loans, coverage 134.1%, true coverage 134.1%.

ALLL / Loans
0.80%
Coverage
134.1%
True Loss Coverage
134.1%
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