Crystal Lake Bank and Trust Company, National Association
Crystal Lake, IL · Owner: Wintrust Financial Corporation
$2.3B
total assets, June 30, 2026
$2.3B
total assets, June 30, 2026
Crystal Lake Bank and Trust Company, National Association is a national bank based in Crystal Lake, IL, owned by Wintrust Financial Corporation (WTFC). As of June 30, 2026 it held $2.3 billion in assets and $1.9 billion in deposits; assets were up 16.0% from a year before. It has 6 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$2.3B
+16.0% in a year · +5.2% in a quarter
Deposits
$1.9B
+15.4% in a year · +3.6% in a quarter
Loans
$1.8B
+13.1% in a year · +7.7% in a quarter
Profit so far
$16.7M
Jan 1 to Jun 30, 2026 · +8.9% in a year
Capital ratio
9.65%
-0.36 pts in a year
Return on assets
1.54%
-0.11 pts in a year
Facts
- Type
- National bank
- Head office
- 70 N Williams St, Crystal Lake, IL, 60014
- County
- Mchenry
- Holding company
- Wintrust Financial Corporation (WTFC)
- Established
- Dec 19, 1997
- Employees
- 59
- Branches
- 6
- Website
- crystallakebank.com
- Id
- b34681
Quarter by quarter
December 31, 1997 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $1.9 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Illinois | 6 | $1.9B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Crystal Lake Bank And Trust Company, National Association (main office) | Crystal Lake, IL | $914M |
| Crystal Lake Branch | Crystal Lake, IL | $401M |
| Mchenry Bank And Trust Branch | Mchenry, IL | $245M |
| Algonquin Bank Branch | Algonquin, IL | $167M |
| Cary Branch | Cary, IL | $139M |
| Crystal Lake Branch | Crystal Lake, IL | $0 |
Related pages
Questions and answers
How big is Crystal Lake Bank and Trust Company, National Association?
$2.3 billion in total assets and $1.9 billion in deposits as of June 30, 2026, with assets up 16.0% from a year before. Its loans were $1.8 billion.
How many branches does Crystal Lake Bank and Trust Company, National Association have?
6 branches in Illinois as of June 30, 2026.
Is Crystal Lake Bank and Trust Company, National Association profitable?
Yes: it earned $16.7 million from January 1 to June 30, 2026 (up 8.9% from the same months a year before). Its return on assets was 1.54% a year; about 1% is typical.
Who owns Crystal Lake Bank and Trust Company, National Association?
Crystal Lake Bank and Trust Company, National Association is owned by Wintrust Financial Corporation, its holding company, which is listed as WTFC.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.