$2.69B
+25.0%y/y
Percentile by value92nd percentileby value
FDIC
ASSETSB
State Bank of the Lakes, National Association
Antioch, IllinoisFDIC Cert #5744
OCCEstablished 192610 branches
Holding company: WINTRUST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportState Bank of the Lakes, National Association reported $2.69B in total assets. Deposits grew 27.14% over the prior year.
Return on assets was 1.51%, compared with an asset-peer median of 1.16%. The leverage ratio was 9.37%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Deposit Growth, Year over Year above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.26B
+27.1%y/y
Percentile by value93rd percentileby value
FDIC
DEP$1.99B
+19.8%y/y
Percentile by value92nd percentileby value
FDIC
LNLSNET1.51%
+14 bpsy/y
Peer standing72nd percentile
FDIC
NETINC + ROA38.12%
−687 bpsy/y
Peer standing95th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.37%
−78 bpsy/y
Peer standing21st percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.63B | $1.4B |
| Q3 2021 | $1.67B | $1.44B |
| Q4 2021 | $1.68B | $1.45B |
| Q1 2022 | $1.68B | $1.44B |
| Q2 2022 | $1.71B | $1.48B |
| Q3 2022 | $1.8B | $1.51B |
| Q4 2022 | $1.82B | $1.48B |
| Q1 2023 | $1.88B | $1.57B |
| Q2 2023 | $1.97B | $1.66B |
| Q3 2023 | $1.97B | $1.65B |
| Q4 2023 | $1.95B | $1.61B |
| Q1 2024 | $1.98B | $1.66B |
| Q2 2024 | $2.12B | $1.79B |
| Q3 2024 | $2.13B | $1.79B |
| Q4 2024 | $2.16B | $1.78B |
| Q1 2025 | $2.15B | $1.78B |
| Q2 2025 | $2.33B | $1.97B |
| Q3 2025 | $2.39B | $2.02B |
| Q4 2025 | $2.5B | $2.08B |
| Q1 2026 | $2.69B | $2.26B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $110M |
| Investor CRE | $156M |
| Multifamily | $69.5M |
| Construction | $82.4M |
| 1–4 family | $231M |
| C&I | $771M |
| Agriculture | $121K |
| Other | $575M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.51%72nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE14.07%70th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.17%23rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR38.12%95th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+27.14%95th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+19.80%92nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%85th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.37%21st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.66%47th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC125%15th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.51%74th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.11%90th 1.83%Observations 329
ROE
FDIC
NETINC + ROE14.07%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.20%Median 10.57%90th 18.47%Observations 329
NIM
FDIC
NIM + NIMY3.17%24th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.86%Median 3.62%90th 4.45%Observations 330
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR38.12%96th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.13%Median 63.88%90th 87.24%Observations 329
Deposits YoY
FDIC
DEP+27.14%97th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.61%Median +3.07%90th +13.90%Observations 328
Loans YoY
FDIC
LNLSNET+19.80%93rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.76%Median +4.48%90th +16.94%Observations 326
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%78th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.57%90th 2.85%Observations 326
Leverage
FDIC
RBC1AAJ9.37%22nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.64%Median 10.84%90th 15.77%Observations 330
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.66%26th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.28%Median 2.17%90th 3.18%Observations 326
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC125%50th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 20%Median 126%90th 292%Observations 208
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.51%68th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.64%Median 1.33%90th 1.77%Observations 29
ROE
FDIC
NETINC + ROE14.07%71st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.03%Median 13.63%90th 18.37%Observations 29
NIM
FDIC
NIM + NIMY3.17%11th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 3.63%90th 4.12%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR38.12%93rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.58%Median 55.44%90th 73.99%Observations 29
Deposits YoY
FDIC
DEP+27.14%93rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.03%Median +7.36%90th +21.38%Observations 29
Loans YoY
FDIC
LNLSNET+19.80%93rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.52%Median +5.56%90th +17.58%Observations 29
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%82nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.68%90th 1.97%Observations 29
Leverage
FDIC
RBC1AAJ9.37%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.97%Median 10.36%90th 12.91%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.66%46th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.65%90th 3.19%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC125%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 154%Median 209%90th 393%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- Antioch, IL
FDIC
OFFDOMOpen the Illinois dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data