BlastPoint's Banking Scorecard
Crystal Lake Bank and Trust Company, National Association
Crystal Lake, IL
6 branches across IL
Crystal Lake Bank and Trust Company, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.28% below tier average
- + ROA 0.14% above tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.4% in tier
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+17.3% YoY
+3.5% QoQ
|
-$667.0M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$1.6B
+12.8% YoY
+1.5% QoQ
|
-$349.3M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$1.8B
+19.9% YoY
+4.1% QoQ
|
-$540.8M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.50%
-0.2% YoY
-11.7% QoQ
|
+0.14% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
3.41%
-6.9% YoY
-5.1% QoQ
|
-0.41% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
34.78%
+1.1% YoY
+6.5% QoQ
|
-26.28% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 4.1% in tier |
| Delinquency Rate ? |
0.40%
+24.8% YoY
-32.8% QoQ
|
-0.48% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
89.63%
-6.0% YoY
-2.4% QoQ
|
+5.43% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
17.56%
+3.6% YoY
+3.7% QoQ
|
-3.73% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.30%
+6.7% YoY
-34.1% QoQ
|
-0.37% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
11.72%
+8.3% YoY
+1.9% QoQ
|
-3.44% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.07%
-1.5% YoY
-72.0% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
20% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.