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 Crystal Lake Bank and Trust Company, National Association
Crystal Lake Bank and Trust Company, National Association
| RSSD ID 2624400 | CERTIFICATE 34681 | ABA NUMBER 71925787 |
| 70 N Williams St |
Quarter Ended : |
2025-12-31 |
| Crystal Lake, Illinois, 60014 |
Updated : |
2026-01-30 |
| crystallakebank.com |
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| Institution Profile |
| Year Opened : |
1997 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
6 |
Number of Employees : |
58 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,076,351 |
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Total Interest Income | 108,856 |
| Total Liabilities | 1,880,174 |
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Total NonInterest Income | 5,514 |
| Total Bank Equity Capital | 196,177 |
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Total Interest Expense | 43,818 |
| Total Deposits | 1,731,879 |
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Total NonInterest Expense | 23,044 |
| Net Loans & Leases | 1,591,056 |
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Net Income | 32,832 |
| Loan Loss Allowance | 12,818 |
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Net Charge Offs | 985 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 218,761 |
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Total loans | 1,540,021 |
| Total assets for the leverage ratio | 2,005,323 |
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Loans secured by real estate: | 619,258 |
| Tier 1 Leverage Ratio | 10.19 |
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Commercial and industrial loans | 654,626 |
| Tier 1 Capital Ratio | 11.5 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.31 |
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Loans to individuals - Other | 217,325 |
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:· Crystal Lake Bank and Trust Company, National Association
