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 State Bank of the Lakes, National Association
State Bank of the Lakes, National Association
| RSSD ID 595430 | CERTIFICATE 5744 | ABA NUMBER 71909871 |
| 440 Lake St |
Quarter Ended : |
2025-12-31 |
| Antioch, Illinois, 60002 |
Updated : |
2026-01-30 |
| www.sbotl.com |
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| Institution Profile |
| Year Opened : |
1926 |
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 : |
10 |
Number of Employees : |
87 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,503,451 |
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Total Interest Income | 122,276 |
| Total Liabilities | 2,223,882 |
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Total NonInterest Income | 8,985 |
| Total Bank Equity Capital | 279,569 |
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Total Interest Expense | 49,991 |
| Total Deposits | 2,075,758 |
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Total NonInterest Expense | 31,850 |
| Net Loans & Leases | 1,861,011 |
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Net Income | 33,888 |
| Loan Loss Allowance | 9,328 |
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Net Charge Offs | 924 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 246,346 |
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Total loans | 1,800,902 |
| Total assets for the leverage ratio | 2,369,084 |
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Loans secured by real estate: | 601,966 |
| Tier 1 Leverage Ratio | 9.85 |
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Commercial and industrial loans | 709,038 |
| Tier 1 Capital Ratio | 11.38 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.02 |
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Loans to individuals - Other | 407,381 |
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:· State Bank of the Lakes, National Association
