BlastPoint's Banking Scorecard

Crystal Lake Bank and Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 34681

Crystal Lake, IL

6 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +15.4% year over year ($1.9B on the books).
Delinquency rate 0.34%.
Return on assets 1.54%.
Efficiency ratio 33.97% vs a 59.73% peer average.
Loan-to-deposit ratio 93.18% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Crystal Lake Bank and Trust Company, National Association has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 25.76% below tier average
+ ROA 0.15% above tier average
+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 25.0% in tier
- Net Interest Margin 0.48% below tier average

Get updates when Crystal Lake Bank and Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.3B +16.0% YoY +5.2% QoQ	-$533.9M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$1.7B +13.1% YoY +7.7% QoQ	-$223.7M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$1.9B +15.4% YoY +3.6% QoQ	-$452.1M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	1.54% -6.7% YoY +2.7% QoQ	+0.15%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	3.39% -7.3% YoY -0.5% QoQ	-0.48%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	33.97% +0.8% YoY -2.3% QoQ	-25.76%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 3.7% in tier
Delinquency Rate ?	0.34% +40.6% YoY -16.3% QoQ	-0.53%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	93.18% -2.1% YoY +4.0% QoQ	+8.15%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	18.66% +7.9% YoY +6.3% QoQ	-2.61%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	0.26% +18.5% YoY -14.3% QoQ	-0.41%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	10.79% -0.4% YoY -7.9% QoQ	-4.05%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 14.9% in tier
Non-Interest Income / Assets ?	0.17% +25.8% YoY +123.1% QoQ	-0.36%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	18.7% +1.4pp YoY +1.1pp QoQ	-2.7pp	21.4%	20.1%	22.2%	43%
Brokered Deposits	14.9% +2.4pp YoY -0.1pp QoQ	+5.4pp	9.5%	8.0%	8.5%	82%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	43.3% -1.4pp YoY +0.9pp QoQ	+29.3pp	14.0%	14.7%	12.5%	96%
CRE	28.9% -1.3pp YoY -1.0pp QoQ	-21.2pp	50.0%	37.9%	41.4%	11%
1-4 Family	9.1% +0.9pp YoY 0.0pp QoQ	-17.3pp	26.4%	28.3%	31.3%	14%
Consumer	12.9% -1.3pp YoY -0.2pp QoQ	+8.2pp	4.7%	5.4%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.8% 0.0pp YoY -0.9pp QoQ	-4.8pp	15.6%	19.9%	19.7%	6%
Leverage Ratio	9.7% -0.4pp YoY -0.5pp QoQ	-1.7pp	11.3%	12.2%	12.6%	27%
Total Capital Ratio	11.6% 0.0pp YoY -0.9pp QoQ	-5.1pp	16.7%	20.9%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	59 +1 (+1.7%) YoY -1 (-1.7%) QoQ	-255	313	228	482	1%
Assets per Employee ($)	$38.3M +14.0% YoY +6.9% QoQ	+$27.8M	$10.5M	$8.3M	$8.8M	98%
Branch Count	6 0 YoY 0 QoQ	-14	20	10	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	42%
Nonaccrual	0.3% +0.1pp YoY -0.1pp QoQ	-0.5pp	0.8%	1.1%	1.0%	33%
Allowance Coverage	2.46x -27.1% YoY +20.6% QoQ	-16.25x	18.71x	5.62x	20.23x	57%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.2pp QoQ	-0.1pp	0.3%	0.1%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	16.7% -1.4pp YoY +0.8pp QoQ	+4.1pp	12.6%	10.5%	11.6%	81%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.6%	1.7%	63%
Net Income ($, YTD)	$16.7M +8.9% YoY — QoQ	-$2.6M	$19.2M	$11.7M	$40.4M	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#124 of 492 • Bottom 25.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.34%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Efficiency Ratio

profitability

Value: 33.97%

Peer Median: 59.73%

#34 of 885 Top 3.7% in $1B-$10B

Top Weaknesses (2 metrics)

754

Tier 1 Capital Ratio

capital

Value: 10.79%

Peer Median: 14.84%

#754 of 885 Bottom 14.9% in $1B-$10B

679

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#679 of 885 Bottom 23.4% in $1B-$10B