State Bank of the Lakes, National Association
Antioch, IL
IDRSSD: 595430
Total Assets
$2.50B
Latest filing
Total Deposits
$2.08B
Latest filing
Net Interest Margin
3.34%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071909871ANTIOCH, IL
Key People
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Locations
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Main Office
State Bank of the Lakes, National Association
440 Lake St
Antioch, IL 60002
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1926FDIC Certificate 3917
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| State Bank of the Lakes, National Association (Main) | 440 Lake St | Antioch, IL |
| KENOSHA BRANCH | 8700 75th St | Kenosha, WI |
| LINDENHURST BRANCH | 2031 E Grand Ave | Lindenhurst, IL |
| GRAYSLAKE BRANCH | 50 Commerce Dr | Grayslake, IL |
| SPRING GROVE BRANCH | 1906 Holian Dr | Spring Grove, IL |
| GENOA CITY BRANCH | 235 Freeman St | Genoa City, WI |
| LAKE VILLA BRANCH | 345 S Milwaukee Ave | Lake Villa, IL |
| ROUND LAKE BEACH BRANCH | 10 E Rollins Rd | Round Lake Beach, IL |
Showing 7 of 8
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 | 01/01/1926 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 60002 |
| State and County Number | 17097 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | 85 |
| Domestic Offices | 9 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.sbotl.com |
| Data Updated | 01/30/2026 |
| CERT | 5744 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.50B |
| Total Deposits | $2.08B |
| Total Liabilities | $2.22B |
| Total Equity Capital | $279.57M |
| Net Income | $8.71M |
| Net Loans and Leases | $1.86B |
| Assets Per Employee ($Millions) | $28.78M |
| Bank Premises and Fixed Assets | $22.25M |
| Cash and Balances due from Depository Institutions | $55.11M |
| Deposits Held in Domestic Offices | $2.08B |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 12.67% |
| Net Interest Margin | 3.34% |
| Efficiency Ratio | 36.09% |
| Tier 1 Risk-Based Capital Ratio | 11.384% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.41% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.167% |
| Earning Assets to total Assets | 92.61% |
Income and Expense
| Total Interest Income | $32.11M |
| Total Noninterest Income | $3.23M |
| Total Interest Expense | $13.15M |
| Total Noninterest Expense | $8.01M |
| Net Interest Income | $18.96M |
| Pre-tax Net Operating Income | $11.70M |
| Provision for Credit Losses | $2.48M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $184.00k |
| Other borrowed funds | $125.51M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $21.49M |
| Total Liabilities and Capital | $2.50B |
Securities
| Securities | $409.90M |
| Available-for-sale debt securities | $259.73M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $150.17M |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.12M |
| Trading Liabilities | $1.12M |
Frequently Asked Questions
What are the total assets of State Bank of the Lakes, National Association?
$2.50B as of the latest filing.
How much are State Bank of the Lakes, National Association's total deposits?
$2.08B in total deposits.
Where is State Bank of the Lakes, National Association located?
Antioch, IL.
What is the Net Interest Margin?
3.34%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1926.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$1.86B (latest filing).
What is the total interest income (latest filing)?
$32.11M.