Total Assets
$2.3B
Total Deposits
$1.9B
Branches
6
Established
1997
Crystal Lake Bank and Trust Company, National Association is a bank headquartered in Crystal Lake, Illinois, established in 1997. It holds $2.3B in total assets across 6 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Crystal Lake Bank and Trust Company, National Association earns a TFS Financial Health Grade of B+ (82.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
82.5 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Crystal Lake Bank and Trust Company, National AssociationHQ | 70 N Williams St | Crystal Lake | IL | 11 |
| Crystal Lake Bank and Trust Company, National Association | 4049 W Algonquin Rd | Algonquin | IL | 11 |
| Crystal Lake Bank and Trust Company, National Association | 60 E Main St | Cary | IL | 11 |
| Crystal Lake Bank and Trust Company, National Association | 27 North Main Street | Crystal Lake | IL | 23 |
| Crystal Lake Bank and Trust Company, National Association | 5100 Northwest Hwy | Crystal Lake | IL | 12 |
| Crystal Lake Bank and Trust Company, National Association | 2205 N Richmond Rd | Mchenry | IL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
82.5
Tier 1 capital ratio
9.65%
Return on assets
1.54%
Non-performing loans
0.34%
Efficiency ratio
33.97%
Asset growth (YoY)
15.96%
Suggested direct comparisons
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Mount Vernon, IL
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.