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State Bank of the Lakes, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 5744

Antioch, IL

10 branches across IL · WI

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 +20.7% year over year ($2.4B on the books).
  • Delinquency rate 0.18%.
  • Return on assets 1.43%.
  • Efficiency ratio 37.25% vs a 59.73% peer average.
  • Loan-to-deposit ratio 87.26% 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) →

State Bank of the Lakes, National Association has 2 strengths but faces 3 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

  • + Credit Quality Leader: Top 14.0% in tier
  • + Efficiency Ratio 22.48% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.4% in tier
  • - NIB Deposit Bleed: Bottom 43.5% in tier
  • - Net Interest Margin 0.72% below tier average
Get updates when State Bank of the Lakes, 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 ? $2.8B
+20.7% YoY +4.5% QoQ
+$18.4M $2.8B
-0.6% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $2.1B
+14.1% YoY +4.6% QoQ
+$114.6M $2.0B
-0.3% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $2.4B
+20.7% YoY +5.3% QoQ
+$62.3M $2.3B
-0.5% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 1.43%
-1.5% YoY -5.4% QoQ
+0.04% 1.39%
+17.0% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 3.15%
-7.5% YoY -0.5% QoQ
-0.72% 3.87%
+6.2% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 37.25%
-10.3% YoY -2.3% QoQ
-22.48% 59.73%
-12.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 5.0% in tier
Delinquency Rate ? 0.18%
+45.0% YoY +67.4% QoQ
-0.69% 0.87%
+11.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 87.26%
-5.4% YoY -0.6% QoQ
+2.22% 85.04%
-0.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 12.07%
-19.1% YoY -9.3% QoQ
-9.21% 21.27%
-1.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.14%
+33.1% YoY +61.9% QoQ
-0.53% 0.67%
+11.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 10.75%
-0.4% YoY +0.1% QoQ
-4.09% 14.84%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 14.0% in tier
Non-Interest Income / Assets ? 0.14%
-13.1% YoY +88.4% QoQ
-0.38% 0.53%
+2.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
18%

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 12.1%
-2.9pp YoY
-1.2pp QoQ
 -9.3pp 21.4% 20.1% 22.2% 16%
Brokered Deposits 14.7%
+2.8pp YoY
+1.0pp QoQ
 +5.3pp 9.5% 8.0% 8.5% 81%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 38.0%
-0.2pp YoY
-0.8pp QoQ
 +24.0pp 14.0% 14.7% 12.5% 94%
CRE 22.5%
+1.5pp YoY
+1.4pp QoQ
 -27.6pp 50.0% 37.9% 41.4% 5%
1-4 Family 12.0%
+1.7pp YoY
+0.3pp QoQ
 -14.4pp 26.4% 28.3% 31.3% 22%
Consumer 19.7%
-4.5pp YoY
-1.3pp QoQ
 +15.0pp 4.7% 5.4% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 10.8%
-0.1pp YoY
0.0pp QoQ
 -4.8pp 15.6% 19.9% 19.7% 6%
Leverage Ratio 9.0%
-0.8pp YoY
-0.3pp QoQ
 -2.3pp 11.3% 12.2% 12.6% 12%
Total Capital Ratio 11.4%
0.0pp YoY
0.0pp QoQ
 -5.3pp 16.7% 20.9% 20.8% 3%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 85
-2 (-2.3%) YoY
-3 (-3.4%) QoQ
 -229 313 228 482 4%
Assets per Employee ($) $33.1M
+23.5% YoY
+8.2% QoQ
 +$22.6M $10.5M $8.3M $8.8M 98%
Branch Count 10
+1 (+11.1%) YoY
0 QoQ
 -10 20 10 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 72%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.1% 1.0% 11%
Allowance Coverage 3.04x
-20.0% YoY
-32.1% QoQ
 -15.67x 18.71x 5.62x 20.23x 64%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 13.6%
+1.0pp YoY
-0.5pp QoQ
 +1.0pp 12.6% 10.5% 11.6% 62%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
+0.1pp QoQ
 +0.3pp 1.9% 1.6% 1.7% 74%
Net Income ($, YTD) $19.0M
+18.8% YoY
— QoQ
 -$212K $19.2M $11.7M $40.4M 68%

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 (1)

Credit Quality Leader

growth
#32 of 221 • Top 14.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#57 of 492 • Bottom 11.4% in tier

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

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

NIB Deposit Bleed

decline
#21 of 46 • Bottom 43.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 12.07%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

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

Top Strengths (3 metrics)

45
Efficiency Ratio
profitability
Value: 37.25%
Peer Median: 59.73%
#45 of 885 Top 5.0% in $1B-$10B
177
Nonperforming Asset Ratio
credit_quality
Value: 0.14%
Peer Median: 0.67%
#177 of 885 Top 19.9% in $1B-$10B
180
Delinquency Rate
credit_quality
Value: 0.18%
Peer Median: 0.87%
#180 of 882 Top 20.3% in $1B-$10B

Top Weaknesses (4 metrics)

762
Tier 1 Capital Ratio
capital
Value: 10.75%
Peer Median: 14.84%
#762 of 885 Bottom 14.0% in $1B-$10B
743
Non-Interest-Bearing Deposit Share
funding
Value: 12.07%
Peer Median: 21.27%
#743 of 885 Bottom 16.2% in $1B-$10B
728
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#728 of 885 Bottom 17.9% in $1B-$10B
704
Net Interest Margin
profitability
Value: 3.15%
Peer Median: 3.87%
#704 of 885 Bottom 20.6% in $1B-$10B
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