Crystal Lake Bank and Trust Company, National Association
Crystal Lake, Illinois, Mchenry County
$2.3B in total assets, the 561st largest of 4,309 US banks and 34th of 328 headquartered in Illinois.
- FDIC certificate
- 34681
- Established
- 1997
- Owned by
- Wintrust Financial Corp
- Primary regulator
- OCC
- Website
- crystallakebank.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.3B | 42% | $2.7B | |
| Loans | $1.8B | 40% | $2.1B | |
| Deposits | $1.9B | 42% | $2.3B | |
| Return on assets | 1.64% | 82% | 1.39% | |
| Net interest margin | 3.39% | 37% | 3.57% | |
| Efficiency ratio | 34.0% | 8% | 51.3% | |
| Equity to assets | 8.85% | 22% | 10.00% | |
| Loans to deposits | 94% | 72% | 86% |
Growth
Total assets grew 11.4% a year over the last 5 years and 8.6% a year over 10 years, without acquisitions.
Where they operate
6 branches in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Mchenry County, IL | $1.9B | 19.0% | 1 of 24 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 2 branches since 2016 (8 to 6, −25.0%). 0 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2017 | Closed Crystal Lake | 0 | 1 | −1 | 7 |
| 2021 | Closed Mchenry | 0 | 1 | −1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 43% | 26% | |
| Commercial real estate | 16% | 28% | |
| Consumer | 13% | 5% | |
| 1-4 family residential | 9% | 14% | |
| Multifamily | 7% | 9% | |
| Construction and land | 5% | 7% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 7% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 55% | |
| Time deposits | 26% | 24% | |
| Noninterest-bearing | 19% | 21% |
Brokered deposits are 14.9% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.34% | 0.52% |
| Net charge-offs, annualized | 0.14% | 0.07% |
| Reserves to loans | 0.82% | 1.13% |
| Leverage ratio | 9.65% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Mchenry County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/crystal-lake